118 Cardiff Ave, Kalispell, MT 59901 Property Records

Flathead County property record for 118 Cardiff Ave, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,324 sqft · built 1978
Lot Size	0.466 acres (20,299 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,200 (Jul 2013)
Tax Bill	$2,501 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0764810`

Property Details

APN / Parcel Number

Primary APN	`R0764810`
Alternative APNs	`07-3966-05-2-08-07-0000` `0000386645`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,324 sqft Living Area
1st Floor Area	1,324 sqft
Basement Area	1,192 sqft
Finished Basement	1,192 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,299 sqft (0.466 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	20 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000386645
Street Address	118 CARDIFF AVE
City	KALISPELL
State	MT
Zip	59901-2706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLCREST EST UNIT 5, S05, T28 N, R21 W, LOT 079
Legal Range	21W
Legal Township	28N
Legal Section	05
Legal Subdivision	HILLCREST EST UNIT 5
Legal Lot Number	79
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	2
Census Block	2021
Census Tract	801

Owner

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 Record
Mailing Address	118 CARDIFF AVE, KALISPELL, MT 59901-2706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2024	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Nov 5, 2018	Deed of Trust, Mortgage · Commercial Mortgage GLACIER BANK
May 13, 2020	Deed of Trust, Mortgage · FHA Mortgage BAY EQUITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2013 · Amount on Record
Deed Sale	Jul 3, 2013 · Amount on Record
Prior Sale	Nov 17, 2006 · Amount on Record
Deed Document Number	201316348
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	118 CARDIFF AVE, KALISPELL, MT 59901-2706
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 CARDIFF AVE, KALISPELL, MT 59901-2706

Mortgage

Document Number	202400006328
Date	Apr 17, 2024
Instrument	202400006328

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	118 CARDIFF AVE, KALISPELL, MT 59901-2706
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	INSURED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800027047
Date	Nov 5, 2018
Instrument	201800027047

Lender

Name	GLACIER BANK
Type	Bank
Address	COLUMBIA FALLS, MT 59912

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	118 CARDIFF AVE, KALISPELL, MT 59901-2706
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000012186
Date	May 13, 2020
Instrument	202000012186

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CORTE MADERA, CA 94925

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

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	Kalispell Elementary School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,501.00 (-39.92%)	$543,600 (+16.23%)
2025			$543,600 (+16.23%) Land $209,279 Building $334,321
2023	$4,163.00	$467,700	$467,700 Land $160,927 Building $306,773

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	13 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	Low lower than 96% of the US · lower than 99.1% of Montana
Wildfire Likelihood	Under 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	FLATHEAD COUNTY WATER AND SEWER serves 9,520 people · EPA ID MT0001744
Water Source	Groundwater
Last State Inspection	Aug 2022
Lead	1 ppb (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	1 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 77 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
AT&T Fixed Wireless	100 / 20

May also be available: MontanaSky Networks.

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