129 Cardiff Ave, Kalispell, MT 59901 Property Records

Flathead County property record for 129 Cardiff Ave, Kalispell, MT 59901

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,313 sqft · built 1978
Lot Size	0.494 acres (21,519 sqft)
Owner	Individual Name on File
Tax Bill	$3,323 (2023)
Deeds & Mortgages	Mar 2020 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0779231`

Property Details

APN / Parcel Number

Primary APN	`R0779231`
Alternative APNs	`07-3966-05-2-07-11-0000` `0000706951`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,313 sqft Living Area
Gross Area	1,989 sqft
1st Floor Area	1,313 sqft
Basement Area	676 sqft
Finished Basement	676 sqft
Fireplaces	1 Fireplace
Fireplace	Prefabricated

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,519 sqft (0.494 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	15 sqft
Deck Area	310 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000706951
Street Address	129 CARDIFF AVE
City	KALISPELL
State	MT
Zip	59901-2751
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	HILLCREST EST UNIT 5, S05, T28 N, R21 W, LOT 74, ASSR# 0000706951
Legal Range	21W
Legal Township	28N
Legal Section	05
Legal Quarter	NW
Legal Subdivision	HILLCREST EST UNIT 5
Legal Lot Number	74
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	2
Census Block	2029
Census Tract	801

Owner

Source: Flathead County assessment roll, as of December 31, 2022

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	129 CARDIFF AVE, KALISPELL, MT 59901-2751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2020	Deed of Trust, Mortgage · Line of Credit GLACIER BANK
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERSTATE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 2, 2014
Deed Sale	May 2, 2014
Prior Sale	Aug 23, 2013
Deed Document Number	201400007515
Record Updated	Jun 7, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	129 CARDIFF AVE, KALISPELL, MT 59901-2751
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000007170
Date	Mar 18, 2020
Instrument	202000007170

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59903

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	129 CARDIFF AVE, KALISPELL, MT 59901-2751
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000043911
Date	Dec 29, 2020
Instrument	202000043911

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	KALISPELL, MT 59904

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Flathead County assessment roll, as of December 31, 2022

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
2023	$3,323.00	$373,400	$373,400 Land $164,709 Building $208,691

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

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
Richon Fixed Wireless	100 / 50
AT&T Fixed Wireless	100 / 20

May also be available: MontanaSky Networks.

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