Flathead County property record for 128 Central Ave, Whitefish, MT 59937
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 3,883 sqft · built 1920 |
| Lot Size | 0.075 acres (3,267 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $8,087 (2026) |
| Deeds & Mortgages | Mar 2021 Construction Loan Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R0782126 |
| Primary APN | R0782126 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,883 sqft Total Area |
| 1st Floor Area | 2,679 sqft |
| Upper Floors Area | 1,204 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Lot Area | 3,267 sqft (0.075 acres) |
| View / Lot | Major Street/Thoroughfare |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Patio Area | 96 sqft |
| Canopy | 270 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000789725 |
|---|---|
| Street Address | 128 CENTRAL AVE |
| City | WHITEFISH |
| State | MT |
| Zip | 59937-2549 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | 6 |
| Legal Description | S36, T31 N, R22 W, WHITEFISH, BLOCK 36, LOT 7, ASSR #0000789725 |
| Legal Range | 22W |
| Legal Township | 31N |
| Legal Section | 36 |
| Legal Subdivision | WFSH |
| Legal Block | 36 |
| Legal Lot Number | 7 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | WHITEFISH |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 402 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 128 CENTRAL AVE, WHITEFISH, MT 59937-2549 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Mar 3, 2021 | Deed of Trust, Mortgage · Construction Mortgage THREE RIVERS BANK OF MONTANA |
| Mar 8, 2018 | Deed of Trust, Mortgage · Commercial Mortgage THREE RIVERS BANK OF MONTANA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 128 CENTRAL AVE, WHITEFISH, MT 59937-2549 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Title Company | FLATHEAD PREMIER TITLE |
| Name | Verified Name |
|---|
| Document Number | 202100007369 |
|---|---|
| Date | Mar 3, 2021 |
| Instrument | 202100007369 |
| Name | THREE RIVERS BANK OF MONTANA |
|---|---|
| Type | Bank |
| Address | KALISPELL, MT 59901 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 128 CENTRAL AVE, WHITEFISH, MT 59937-2549 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201800004597 |
|---|---|
| Date | Mar 8, 2018 |
| Instrument | 201800004597 |
| Name | THREE RIVERS BANK OF MONTANA |
|---|---|
| Type | Bank |
| Address | KALISPELL, MT 59901 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 108 Months |
| Due | Mar 5, 2027 |
| Rate Type | Adjustable Rate |
|---|
Source: Flathead County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Flathead County |
| Municipality | Whitefish City |
| Elementary School District | Whitefish Elementary School District (PK - 08) |
| Secondary School District | Whitefish High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,087.00 (-35.12%) | $1,409,100 (+8.69%) | |
| 2025 | $1,409,100 (+8.69%) Land $737,175 Building $671,925 | ||
| 2023 | $12,465.00 | $1,296,400 | $1,296,400 Land $569,188 Building $727,212 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Montana |
|---|---|
| Wildfire Likelihood | 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.
Source: FCC Broadband Data Collection, based on 304 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 |
May also be available: AT&T, Vero Fiber.
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