12448 Rippling Waters Rd, Bigfork, MT 59911 Property Records

Lake County property record for 12448 Rippling Waters Rd, Bigfork, MT 59911

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,480 sqft · built 2005
Lot Size	0.631 acres (27,500 sqft)
Owner	Individual Name on File
Last Sale	$1,330,000 (May 2026)
Tax Bill	$3,214 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`R1515451`

Property Details

APN / Parcel Number

Primary APN	`R1515451`
Alternative APNs	`15-3708-11-2-04-08-0000` `0000013034`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,480 sqft Living Area
1st Floor Area	1,480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
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	27,500 sqft (0.631 acres)
Lot Dimensions	275 ft deep x 100 ft wide
View / Lot	Waterfront / Beach
Garage Area	700 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	248 sqft
Deck Area	127 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	0000013034
Street Address	12448 RIPPLING WATERS RD
City	BIGFORK
State	MT
Zip	59911-5806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODSY SUBD, S11, T26 N, R19 W, LOT 004, LT 4
Legal Range	19W
Legal Township	26N
Legal Section	11
Legal Subdivision	WOODSY SUBD
Legal Lot Number	4
Jurisdiction	LAKE MT
Township / Civil Division	WOODS BAY-ROLLINS
Census Block Group	2
Census Block	2001
Census Tract	100

Owner

12448 Rippling Waters Rd is owned and occupied by an individual who bought it in May 2026.

Source: Lake County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	12448 RIPPLING WATERS RD, BIGFORK, MT 59911-5806
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.

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Warranty Deed, Transfer · Conventional Mortgage CALCON MUTUAL MORTGAGE
May 22, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2026 · Amount on File
Deed Sale	May 22, 2026 · Amount on File
Deed Document Number	2026638820
Prior Transfer Date	May 21, 2026
Prior Transfer Doc	0000638826
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	May 22, 2026
Property Address	12448 RIPPLING WATERS RD, BIGFORK, MT 59911-5806
Document Number	0000638820
Instrument Date	May 22, 2026
Instrument	2026638820
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	LAKE COUNTY ABSTRACT AND TITLE, LAKE COUNTY ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12448 RIPPLING WATERS RD, BIGFORK, MT 59911-5806

Mortgage

Document Number	0000638821,
Date	May 22, 2026
Instrument	2026638821

Lender

Name	CALCON MUTUAL MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MT
Recording Date	May 22, 2026
Property Address	12448 RIPPLING WATERS RD, BIGFORK, MT 59911-5806
Document Number	0000638826
Instrument Date	May 21, 2026
Instrument	2026638826
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12448 RIPPLING WATERS RD, BIGFORK, MT 59911-5806

Tax Assessment & Valuation

The 2026 property tax bill for 12448 Rippling Waters Rd was $3,214, down 16.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,214.00 (-16.43%)	$1,009,600 (-)
2025	$3,846.00	$1,009,600	$1,009,600 Land $620,000 Building $389,600
2023	$3,606.00	$647,200	$647,200 Land $250,000 Building $397,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 12448 Rippling Waters Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 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

Wildfire risk around 12448 Rippling Waters Rd is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 59% of the US · lower than 64% of Montana
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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