Flathead County property record for 11 Sperry Way, Kalispell, MT 59901
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5.5 ba · 3,874 sqft · built 2008 |
| Lot Size | 0.827 acres (36,024 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $982,205 (Jun 2024) |
| Tax Bill | $11,857 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage Jul 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R0744669 |
| Primary APN | R0744669 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 23 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,874 sqft Living Area |
| 1st Floor Area | 3,616 sqft |
| Upper Floors Area | 468 sqft |
| Attic | Attic |
| Attic Area | 258 sqft |
| Family Room | Family Room |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 36,024 sqft (0.827 acres) |
| View / Lot | Mountain |
| Garage Area | 644 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 158 sqft |
| Deck Area | 85 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 0000006112 |
|---|---|
| Street Address | 11 SPERRY WAY |
| City | KALISPELL |
| State | MT |
| Zip | 59901-6873 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STILLWATER EST SUB PH 3, S25, T29 N, R22 W, LOT 85 |
| Legal Range | 22W |
| Legal Township | 29N |
| Legal Section | 25 |
| Legal Subdivision | STILLWATER EST SUB PH 3 |
| Legal Lot Number | 85 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | KALISPELL |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 601 |
11 Sperry Way is owned and occupied by two individuals who bought it in June 2024.
Source: Flathead County records, as of September 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 SPERRY WAY, KALISPELL, MT 59901-6873 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 8, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 20, 2022 | Deed of Trust, Mortgage · ARM ROCKET MORTGAGE LLC |
| Jul 20, 2022 | Deed of Trust, Mortgage · Line of Credit ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2024 · Amount on File |
| Deed Sale | Jun 24, 2024 · Amount on File |
| Prior Sale | Apr 6, 2009 |
| Deed Document Number | 202410345 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 11 SPERRY WAY, KALISPELL, MT 59901-6873 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2025 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 11 SPERRY WAY, KALISPELL, MT 59901-6873 |
| Document Number | 202500021959 |
|---|---|
| Date | Oct 8, 2025 |
| Instrument | 202500021959 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 11 SPERRY WAY, KALISPELL, MT 59901-6873 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202200017702 |
|---|---|
| Date | Jul 20, 2022 |
| Instrument | 202200017702 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2027 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 6.5% |
| Index | 6-Month LIBOR |
| Margin | 3 |
| Max Rate | 9.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 11 SPERRY WAY, KALISPELL, MT 59901-6873 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202200017708 |
|---|---|
| Date | Jul 20, 2022 |
| Instrument | 202200017708 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 14, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 11 Sperry Way was $11,857.
Source: Flathead County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Flathead County |
| Secondary School District | Flathead High School District (09 - 12) |
| Elementary School District | West Valley Elementary School District (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,857.00 | $1,428,837 | |
| 2025 | $1,428,837 Land $302,777 Building $1,126,060 | ||
| 2023 | $8,154.00 | $1,086,500 | $1,086,500 Land $209,640 Building $876,860 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Sperry Way 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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 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 11 Sperry Way is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 98.8% of Montana |
|---|---|
| Wildfire Likelihood | 0.02% 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 | STILLWATER ESTATES COUNTY W AND S DIST serves 130 people · EPA ID MT0004221 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Also Mapped Here | KALISPELL PUBLIC WORKS |
| Lead | 4 ppb (2022–2024) 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 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Bullitt Communications Fixed Wireless | 100 / 50 |
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