118 Bear Trl, Whitefish, MT 59937 Property Records

Flathead County property record for 118 Bear Trl, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,260 sqft · built 1978
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$597,303 (May 2022)
Tax Bill	$3,092 (2026)
Deeds & Mortgages	May 2022 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0779322`

Property Details

APN / Parcel Number

Primary APN	`R0779322`
Alternative APNs	`07-4184-25-1-04-15-0000` `0000709470`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	720 sqft
Upper Floors Area	555 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2005
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Detached
Garage Area	963 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	56 sqft
Deck Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000709470
Street Address	118 BEAR TRL
City	WHITEFISH
State	MT
Zip	59937-8446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	HAPPY VALLEY HOME SITES, S25, T30 N, R22 W, LOT 244 N87', ASSR #0000709470
Legal Range	22W
Legal Township	30N
Legal Section	25
Legal Subdivision	HAPPY VALLEY HOME SITES
Legal Lot Number	244
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	2
Census Block	2016
Census Tract	403

Owner

118 Bear Trl is owned by an individual who bought it in May 2022.

Source: Flathead County records, as of September 11, 2026

Owner of Record	Individual Name on File
Mailing Address	902 HILL WOOD DR, AUSTIN, TX 78745-2164
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.

Deeds, Mortgages & Sale History

Date	Document
May 19, 2022	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Jul 3, 2019	Deed of Trust, Mortgage · Commercial Mortgage GLACIER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2022 · Amount on File
Deed Sale	May 19, 2022 · Amount on File
Prior Sale	Jun 9, 2014 · Amount on File
Deed Document Number	202212918
Prior Transfer Date	Jun 6, 2014
Prior Transfer Doc	0000009806
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	May 19, 2022
Property Address	118 BEAR TRL, WHITEFISH, MT 59937-8446
Document Number	202200012918
Instrument Date	May 13, 2022
Instrument	202200012918
Transaction Type	Transfer
Record Updated	Jun 2, 2022
Title Company	FLATHEAD PREMIER TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Et Al (and Others)
Address	902 HILL WOOD DR, AUSTIN, TX 78745-2164

Mortgage

Document Number	202200012919
Date	May 19, 2022
Instrument	202200012919

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	Other
Max Rate	10.3%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	118 BEAR TRL, WHITEFISH, MT 59937-8446
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900013589
Date	Jul 3, 2019
Instrument	201900013589

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59903

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 118 Bear Trl was $3,092.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,092.00	$491,300
2025			$491,300 Land $103,734 Building $387,566
2023	$2,934.00	$477,000	$477,000 Land $67,842 Building $409,158

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 118 Bear Trl in Zone X, an area of minimal flood risk.

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

Wildfire risk around 118 Bear Trl is moderate, ranking above 51% 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 51% of the US · lower than 72% of Montana
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	FLATHEAD CO WATER DISTRICT NO 8 private · serves 475 people · EPA ID MT0000261
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 107 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
MontanaSky Networks Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Blackfoot Telephone Cooperative, Vero Fiber.

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