105 Emerald Dr, Whitefish, MT 59937 Property Records

Flathead County property record for 105 Emerald Dr, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,676 sqft · built 1981
Lot Size	0.469 acres (20,430 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,889 (2026)
Deeds & Mortgages	Feb 2017 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0776908`

Property Details

APN / Parcel Number

Primary APN	`R0776908`
Alternative APNs	`07-4184-12-4-03-03-0000` `0000636650`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,676 sqft Living Area
1st Floor Area	1,676 sqft
Basement Area	924 sqft
Finished Basement	924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1995
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,430 sqft (0.469 acres)
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	60 sqft
Deck Area	491 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000636650
Street Address	105 EMERALD DR
City	WHITEFISH
State	MT
Zip	59937-8445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD HEIGHTS, S12, T30 N, R22 W, LOT 1
Legal Range	22W
Legal Township	30N
Legal Section	12
Legal Subdivision	EMERALD HEIGHTS
Legal Lot Number	1
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	1
Census Block	1027
Census Tract	403

Owner

Source: Flathead County records, as of September 11, 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 Record
Mailing Address	105 EMERALD DR, WHITEFISH, MT 59937-8445
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE
Feb 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CU
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2005
Deed Sale	Jul 18, 2005
Deed Document Number	200519910400
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	105 EMERALD DR, WHITEFISH, MT 59937-8445
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700003758
Date	Feb 22, 2017
Instrument	201700003758

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	105 EMERALD DR, WHITEFISH, MT 59937-8445
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800002216
Date	Feb 1, 2018
Instrument	201800002216

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 20, 2038

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	105 EMERALD DR, WHITEFISH, MT 59937-8445
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100031157
Date	Aug 31, 2021
Instrument	202100031157

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

Tax Assessment & Valuation

Source: Flathead County assessment roll, as of September 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,889.00 (-53.77%)	$695,700 (+4.74%)
2025			$695,700 (+4.74%) Land $237,552 Building $458,148
2023	$4,086.00	$664,200	$664,200 Land $254,150 Building $410,050

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 77% of Montana
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EMERALD HEIGHTS HOA WATER & SEWER DIST serves 70 people · EPA ID MT0002862
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon, Vero Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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