Flathead County property record for 1165 Smith Lake Rd, Kalispell, MT 59901
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,704 sqft · built 1974 |
| Lot Size | 22.8 acres (994,910 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,153 (2026) |
| Deeds & Mortgages | Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R0785756 |
| Primary APN | R0785756 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,704 sqft Living Area |
| 1st Floor Area | 1,704 sqft |
| Basement Area | 1,344 sqft |
| Finished Basement | 1,344 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 994,910 sqft (22.8 acres) |
| Terrain | Wooded |
| Garage Type | Mixed |
| Garage Area | 1,592 sqft |
| Parking Spaces | 6 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 640 sqft |
| Porch | Slab |
| Porch Area | 144 sqft |
| Deck Area | 557 sqft |
| Shed | 1 Shed |
| Shed Area | 880 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000896865 |
|---|---|
| Street Address | 1165 SMITH LAKE RD |
| City | KALISPELL |
| State | MT |
| Zip | 59901-7326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | S28, T28 N, R22 W, 11168-A, PARCEL N/A, TR 2F IN NW4SW4 |
| Legal Range | 22W |
| Legal Township | 28N |
| Legal Section | 28 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | KALISPELL SOUTHWEST |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 1702 |
1165 Smith Lake Rd, a rural home, is owned and occupied by an individual.
Source: Flathead County records, as of September 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1165 SMITH LAKE RD, KALISPELL, MT 59901-7326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 1165 SMITH LAKE RD, KALISPELL, MT 59901-7326 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2018 |
| Name | Verified Name |
|---|
| Document Number | , 201800000021 |
|---|---|
| Date | Jan 2, 2018 |
| Instrument | 201800000021 |
| Name | GLACIER BANK |
|---|---|
| Type | Bank |
| Address | KALISPELL, MT 59901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2033 |
The 2026 property tax bill for 1165 Smith Lake Rd was $3,153.
Source: Flathead County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Flathead County |
| Elementary School District | Smith Valley Elementary School District (PK - 08) |
| Secondary School District | Flathead High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,153.00 | $869,397 | |
| 2025 | $869,397 Land $191,127 Building $678,270 | ||
| 2023 | $4,884.00 | $638,913 | $638,913 Land $120,303 Building $518,610 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1165 Smith Lake 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 |
| 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 risk around 1165 Smith Lake Rd is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 65% of Montana |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Bullitt Communications Fixed Wireless | 100 / 50 |
May also be available: AT&T.
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