111 Smith Lake Dr, Kalispell, MT 59901 Property Records

Flathead County property record for 111 Smith Lake Dr, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,026 sqft · built 1996
Lot Size	3.27 acres (142,441 sqft)
Owner	2 Individual Names on Record
Last Sale	$481,000 (Sep 2021)
Tax Bill	$1,954 (2026)
Deeds & Mortgages	Mar 2023 Line of Credit Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R07101591`

Property Details

APN / Parcel Number

Primary APN	`R07101591`
Alternative APNs	`07-3965-32-1-02-20-0000` `0000981520`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,026 sqft Living Area
1st Floor Area	1,026 sqft
Basement Area	1,026 sqft
Finished Basement	1,026 sqft
Family Room	Family Room

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	142,441 sqft (3.27 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	0000981520
Street Address	111 SMITH LAKE DR
City	KALISPELL
State	MT
Zip	59901-7372
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SMITH VALLEY VIEW SUB, S32, T28 N, R22 W, LOT 005
Legal Range	22W
Legal Township	28N
Legal Section	32
Legal Subdivision	SMITH VALLEY VIEW SUB
Legal Lot Number	5
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL SOUTHWEST
Census Block Group	1
Census Block	1009
Census Tract	1702

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	111 SMITH LAKE DR, KALISPELL, MT 59901-7372
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2023	Deed of Trust, Mortgage · Line of Credit ROCKY MOUNTAIN BANK
Sep 10, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMEXPRESS MORTGAGE CORP
Aug 1, 2019	Deed of Trust, Mortgage SANDRA JEAN TOPALOVICH
Nov 4, 2019	Deed of Trust, Mortgage · Commercial Mortgage VALLEY BANK OF KALISPELL
Jul 31, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage VALLEY BANK OF KALISPELL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2021 · Amount on Record
Deed Sale	Sep 10, 2021 · Amount on Record
Prior Sale	Jul 31, 2019 · Amount on Record
Deed Document Number	202132887
Prior Transfer Date	Jun 25, 2014
Prior Transfer Doc	0000011746
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	111 SMITH LAKE DR, KALISPELL, MT 59901-7372
Transaction Type	Mortgage
Record Updated	Mar 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 SMITH LAKE DR, KALISPELL, MT 59901-7372

Mortgage

Document Number	202300003610
Date	Mar 13, 2023
Instrument	202300003610

Lender

Name	ROCKY MOUNTAIN BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Sep 10, 2021
Property Address	111 SMITH LAKE DR, KALISPELL, MT 59901-7372
Document Number	202100032887
Instrument Date	Sep 7, 2021
Instrument	202100032887
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	INSURED TITLE, INSURED TITLES

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	111 SMITH LAKE DR, KALISPELL, MT 59901-7372

Mortgage

Document Number	202100032888
Date	Sep 10, 2021
Instrument	202100032888

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	111 SMITH LAKE DR, KALISPELL, MT 59901-7372
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900015926
Date	Aug 1, 2019
Instrument	201900015926

Lender

Name	SANDRA JEAN TOPALOVICH
Type	Private Party
Address	1830 3RD AVE E, KALISPELL, MT 59901

Agreement

Amount	Amount Recorded

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	111 SMITH LAKE DR, KALISPELL, MT 59901-7372
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900028422
Date	Nov 4, 2019
Instrument	201900028422

Lender

Name	VALLEY BANK OF KALISPELL
Type	Bank
Address	KALISPELL, MT 59903

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Oct 25, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Jul 31, 2019
Property Address	111 SMITH LAKE DR, KALISPELL, MT 59901-7372
Document Number	201900015788
Instrument Date	Jul 25, 2019
Instrument	201900015788
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 SMITH LAKE DR, KALISPELL, MT 59901-7372

Mortgage

Document Number	201900015789
Date	Jul 31, 2019
Instrument	201900015789

Lender

Name	VALLEY BANK OF KALISPELL
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,954.00 (-40.35%)	$619,700 (+27.75%)
2025			$619,700 (+27.75%) Land $218,175 Building $401,525
2023	$3,276.00	$485,100	$485,100 Land $139,984 Building $345,116

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
Community Rating System	Class 9 (5% premium discount)
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 62% of the US · lower than 61% of Montana
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Bullitt Communications Fixed Wireless	100 / 50
MontanaSky Networks Fixed Wireless	50 / 10

May also be available: AT&T, CenturyLink.

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