120 Dirt Rd, Kalispell, MT 59901 Property Records

Flathead County property record for 120 Dirt Rd, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,097 sqft · built 2002
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,841 (2026)
Deeds & Mortgages	Jan 2024 Sale Feb 2020 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`R07103776`

Property Details

APN / Parcel Number

Primary APN	`R07103776`
Alternative APNs	`07-4078-14-2-01-30-0000` `0000983501`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,097 sqft Living Area
1st Floor Area	2,679 sqft
Attic	Attic
Attic Area	418 sqft
Family Room	Family Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Garage Area	968 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	757 sqft
Deck Area	588 sqft
Shed	1 Shed
Shed Area	1,760 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000983501
Street Address	120 DIRT RD
City	KALISPELL
State	MT
Zip	59901-6558
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PANTON ACRES, S14, T29 N, R21 W, LOT 3
Legal Range	21W
Legal Township	29N
Legal Section	14
Legal Subdivision	PANTON ACRES
Legal Lot Number	3
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	3
Census Block	3020
Census Tract	602

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	120 DIRT RD, KALISPELL, MT 59901-6558
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2024	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Feb 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Jun 23, 2020	Deed of Trust, Mortgage · Line of Credit WHITEFISH CU
May 5, 2021	Intrafamily Transfer, Transfer
May 18, 2018	Warranty Deed, Transfer · ARM WHITEFISH CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2024
Deed Sale	Jan 26, 2024
Prior Sale	May 18, 2018 · Amount on Record
Deed Document Number	20241777
Prior Transfer Date	Apr 30, 2021
Prior Transfer Doc	0000015689
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jan 26, 2024
Property Address	120 DIRT RD, KALISPELL, MT 59901-6558
Document Number	202400001777
Instrument Date	Jan 26, 2024
Instrument	202400001777
Transaction Type	Transfer
Record Updated	Feb 6, 2024
Title Company	FIDELITY NATIONAL TITLE

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 with Right of Survivorship
Address	120 DIRT RD, KALISPELL, MT 59901-6558

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	120 DIRT RD, KALISPELL, MT 59901-6558
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000005106
Date	Feb 26, 2020
Instrument	202000005106

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	120 DIRT RD, KALISPELL, MT 59901-6558
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000016953
Date	Jun 23, 2020
Instrument	202000016953

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	May 5, 2021
Property Address	120 DIRT RD, KALISPELL, MT 59901-6558
Document Number	202100015689
Instrument Date	Apr 30, 2021
Instrument	202100015689
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	120 DIRT RD, KALISPELL, MT 59901-6558

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	May 18, 2018
Property Address	120 DIRT RD, KALISPELL, MT 59901-6558
Document Number	201800009727
Instrument Date	May 18, 2018
Instrument	201800009727
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	120 DIRT RD, KALISPELL, MT 59901-6558

Mortgage

Document Number	201800009728
Date	May 18, 2018
Instrument	201800009728

Lender

Name	WHITEFISH CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	6.62%
Index	Other
Max Rate	9.62%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,841.00 (-8.22%)	$1,219,610 (-)
2025	$6,364.00 (-11.13%)	$1,219,610 (+38.18%)	$1,219,610 (+38.18%) Land $267,700 Building $951,910
2023	$7,161.00	$882,600	$882,600 Land $181,400 Building $701,200

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	18 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	Not rated no burnable land within ember reach

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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bullitt Communications Fixed Wireless	100 / 50

May also be available: AT&T, CenturyLink, MontanaSky Networks, Verizon.

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