Flathead County property record for 1097 Whispering Rock Rd, Bigfork, MT 59911
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,552 sqft · built 2006 |
| Lot Size | 0.307 acres (13,373 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $5,620 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | R0747990 |
| Primary APN | R0747990 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,552 sqft Living Area |
| 1st Floor Area | 2,252 sqft |
| Upper Floors Area | 300 sqft |
| Basement Area | 1,782 sqft |
| Finished Basement | 1,782 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,373 sqft (0.307 acres) |
| Terrain | Below Road/Slope |
| View / Lot | Golf Course |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 544 sqft |
| Deck Area | 396 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000009222 |
|---|---|
| Street Address | 1097 WHISPERING ROCK RD |
| City | BIGFORK |
| State | MT |
| Zip | 59911 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING ROCK ESTATES SUB NO 3, S26, T27 N, R20 W, LOT 13, ASSR #0000009222 |
| Legal Range | 20W |
| Legal Township | 27N |
| Legal Section | 26 |
| Legal Subdivision | WHISPERING ROCK ESTATES SUB NO 3 |
| Legal Lot Number | 13 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | CRESTON-BIGFORK |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 1304 |
1097 Whispering Rock Rd is held in a trust since June 2012.
Source: Flathead County records, as of September 11, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | PO BOX 869, BIGFORK, MT 59911-0869 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 15, 2012 |
| Deed Sale | Jun 15, 2012 |
| Prior Sale | Sep 4, 2007 · Amount on File |
| Deed Document Number | 201213115 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 1097 Whispering Rock Rd was $5,620.
Source: Flathead County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Flathead County |
| Elementary School District | Bigfork Elementary School District (PK - 08) |
| Secondary School District | Bigfork High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,620.00 | $1,476,300 | |
| 2025 | $1,476,300 Land $227,872 Building $1,248,428 | ||
| 2023 | $9,871.00 | $1,321,600 | $1,321,600 Land $140,122 Building $1,181,478 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1097 Whispering Rock Rd in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 15 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 risk around 1097 Whispering Rock Rd is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 86% of Montana |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BIGFORK COUNTY WATER AND SEWER serves 6,100 people · EPA ID MT0000262 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Glacier Broadband Fixed Wireless | 1,000 / 1,000 |
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