1045 E Oregon St, Kalispell, MT 59901 Property Records

Flathead County property record for 1045 E Oregon St, Kalispell, MT 59901 · Last verified April 2026

Property Summary

Property Type	Residential
Details	2 bd · 1 ba · 892 sqft · built 1923
Lot Size	0.305 acres (13,286 sqft)
Owner	2 Individual Names on File
Last Sale	$463,200 (Jan 2022)
Tax Bill	$688 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R0774933`

Property Details

APN / Parcel Number

Primary APN	`R0774933`
Alternative APNs	`07-3966-08-2-18-03-0000` `0000577500`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	892 sqft Living Area
1st Floor Area	892 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1985
Architectural Style	Historical
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	13,286 sqft (0.305 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	268 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000577500
Street Address	1045 E OREGON ST
City	KALISPELL
State	MT
Zip	59901-3262
Property Category	Residential
Property Type	Residential > Specialized > Other
Legal Description	MILAM ADD, S08, T28 N, R21 W, BLOCK 1, S60' TR B IN 1, TR B-1 IN 1, TR A IN 1, ASSR# 0000577500
Legal Range	21W
Legal Township	28N
Legal Section	08
Legal Subdivision	MILAM ADD
Legal Block	1
Legal Lot Number	1
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	2
Census Block	2033
Census Tract	903

Owner

Source: Flathead County records · APN R0774933

Assessment roll updated September 3, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 992, KALISPELL, MT 59903-0992
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 03, 2026	Deed of Trust, Mortgage · VA Mortgage US MORTGAGE CAPITAL INC
Sep 08, 2023	Deed of Trust, Mortgage · Line of Credit TRAILWEST BANK
Jan 14, 2022	Warranty Deed, Transfer · Conventional Mortgage MANN MORTGAGE LLC
Jul 21, 2021	Warranty Deed, Transfer · Line of Credit WHITEFISH CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 14, 2022 · Amount on Record
Deed Sale	Jan 14, 2022 · Amount on Record
Prior Sale	Jul 21, 2021 · Amount on Record
Deed Document Number	20221238
Record Updated	Jun 08, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Recording Date	Apr 03, 2026
Property Address	1045 E OREGON ST, KALISPELL, MT 59901-3262
Document Number	0000006827
Instrument Date	Mar 28, 2026
Instrument	20266827
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1045 E OREGON ST, KALISPELL, MT 59901-3262

Mortgage

Document Number	0000006827,
Date	Apr 03, 2026
Instrument	20266827

Lender

Name	US MORTGAGE CAPITAL INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	1045 E OREGON ST, KALISPELL, MT 59901-3262
Transaction Type	Mortgage
Record Updated	Sep 26, 2023
Title Company	ALLIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300015972
Date	Sep 08, 2023
Instrument	202300015972

Lender

Name	TRAILWEST BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Sep 08, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jan 14, 2022
Property Address	1045 E OREGON ST, KALISPELL, MT 59901-3262
Document Number	202200001238
Instrument Date	Jan 14, 2022
Instrument	202200001238
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 190406, HUNGRY HORSE, MT 59919-0406

Mortgage

Document Number	202200001239
Date	Jan 14, 2022
Instrument	202200001239

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jul 21, 2021
Property Address	1045 E OREGON ST, KALISPELL, MT 59901-3262
Document Number	202100024406
Instrument Date	Jul 21, 2021
Instrument	202100024406
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 992, KALISPELL, MT 59903-0992

Mortgage

Document Number	202100024424
Date	Jul 21, 2021
Instrument	202100024424

Lender

Name	WHITEFISH CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Flathead County records · Assessment roll updated September 3, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Montana
County	Flathead County
Municipality	Kalispell City
Secondary School District	Flathead High School District (09 - 12)
Elementary School District	Kalispell Elementary School District (PK - 08)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$688.00 (-17.01%)	$143,325 (+73.14%)	$143,325 (+73.14%) Land $103,045 Building $40,280
2023	$829.00	$82,782	$82,782 Land $82,782

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Flathead County (30029C), updated November 16, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 80 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
VFN Holdings	Fiber	2,500 / 2,500
Spectrum	Cable	1,000 / 1,000
MontanaSky Networks	Fiber	1,000 / 1,000
Larkin	Fixed Wireless (unlicensed)	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Richon	Fixed Wireless (unlicensed)	100 / 50
AT&T	Fixed Wireless	100 / 20

May also be available at this address: MontanaSky Networks, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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