115 5th Ave W, Polson, MT 59860 Property Records

Lake County property record for 115 5th Ave W, Polson, MT 59860

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,488 sqft · built 1913
Lot Size	0.161 acres (7,013 sqft)
Owner	Individual Name on Record
Tax Bill	$3,402 (2026)
Deeds & Mortgages	Apr 2020 Line of Credit Jan 2007 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R1510231`

Property Details

APN / Parcel Number

Primary APN	`R1510231`
Alternative APNs	`15-3228-04-4-07-16-0000` `0000008925`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,488 sqft Living Area
1st Floor Area	960 sqft
Attic	Attic
Attic Area	528 sqft
Basement Area	320 sqft
Unfinished Basement	320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1913
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	7,013 sqft (0.161 acres)
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	188 sqft
Deck Area	30 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000008925
Street Address	115 5TH AVE W
City	POLSON
State	MT
Zip	59860-2634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	3
Legal Description	POLSON ORIGINAL TOWNSITE, S04, T22 N, R20 W, BLOCK 022, LOT 008, ACRES 0.161, LT 8
Legal Range	20W
Legal Township	22N
Legal Section	04
Legal Subdivision	POLSON ORIGINAL TOWNSITE
Legal Block	22
Legal Lot Number	8
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	2
Census Block	2040
Census Tract	940307

Owner

Source: Lake County records, as of October 20, 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	Individual Name on Record
Mailing Address	115 5TH AVE W, POLSON, MT 59860-2634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2020	Deed of Trust, Mortgage · Line of Credit GLACIER BANK
Jan 3, 2007	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CAPITAL ONE HOME LOANS LLC
Sep 28, 2005	Deed of Trust, Mortgage · ARM AMERICAS WHOLESALE LENDER
Oct 8, 2008	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2024
Deed Sale	Feb 14, 2024
Prior Sale	Nov 4, 2019
Deed Document Number	2024609530
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	115 5TH AVE W, POLSON, MT 59860-2634
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000576327
Date	Apr 3, 2020
Instrument	576327

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59903

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	115 5TH AVE W, POLSON, MT 59860-2634
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000475876
Date	Jan 3, 2007
Instrument	475876

Lender

Name	CAPITAL ONE HOME LOANS LLC
Type	Lending Institution
Address	OVERLAND PARK, KS 66213

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Dec 19, 2026

September 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	115 5TH AVE W, POLSON, MT 59860-2634
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000462689
Date	Sep 28, 2005
Instrument	462689

Lender

Name	AMERICAS WHOLESALE LENDER
Type	Lending Institution
Address	DALLAS, TX 75266

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	6.95%
Type Change Date	Oct 1, 2007
Change Frequency	6 Months
Min Rate At Change	6.95%
Max Rate At Change	8.45%
Index	6-Month LIBOR
Max Rate	13.9%

October 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Oct 8, 2008
Property Address	115 5TH AVE W, POLSON, MT 59860-2634
Document Number	0000492869
Instrument Date	Oct 8, 2008
Instrument	492869
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	INSURED TITLE, INSURED TITLES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 5TH AVE W, POLSON, MT 59860-2634

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1102 2ND ST W, POLSON, MT 59860-5351
Investor	Possibly a Property Investor

Mortgage

Document Number	0000492870
Date	Oct 8, 2008
Instrument	492870

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	456 Months
Due	Oct 7, 2046

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,402.00 (+95.85%)	$350,000 (-)
2025	$1,737.00 (-14.64%)	$350,000 (+42.92%)	$350,000 (+42.92%) Land $61,500 Building $288,500
2023	$2,035.00	$244,900	$244,900 Land $36,150 Building $208,750

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Montana
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF POLSON serves 5,300 people · EPA ID MT0000308
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2021–2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Western Montana CommunityTel Fiber	100 / 100

May also be available: Verizon.

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