130 Emerald Dr, Whitefish, MT 59937 Property Records

Flathead County property record for 130 Emerald Dr, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,406 sqft · built 1979
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on File
Last Sale	$306,100 (May 2009)
Tax Bill	$1,715 (2026)
Deeds & Mortgages	Feb 2017 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0776930`

Property Details

APN / Parcel Number

Primary APN	`R0776930`
Alternative APNs	`07-4184-12-4-08-12-0000` `0000636674`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,406 sqft Living Area
1st Floor Area	1,406 sqft
Basement Area	782 sqft
Finished Basement	782 sqft
Family Room	Family Room

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2005
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,473 sqft (0.47 acres)
Parking Spaces	2 Parking Spaces
Deck Area	152 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000636674
Street Address	130 EMERALD DR
City	WHITEFISH
State	MT
Zip	59937-8445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD HEIGHTS, S12, T30 N, R22 W, LOT 027
Legal Range	22W
Legal Township	30N
Legal Section	12
Legal Subdivision	EMERALD HEIGHTS
Legal Lot Number	27
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	1
Census Block	1030
Census Tract	403

Owner

130 Emerald Dr is owned and occupied by two individuals who bought it in May 2009.

Source: Flathead County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	130 EMERALD DR, WHITEFISH, MT 59937-8445
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
Feb 22, 2017	Deed of Trust, Mortgage · ARM BANK OF AMERICA NA
Jul 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage MANN MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2009 · Amount on File
Deed Sale	May 29, 2009 · Amount on File
Deed Document Number	200915228
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	130 EMERALD DR, WHITEFISH, MT 59937-8445
Transaction Type	Mortgage
Record Updated	Aug 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700003697
Date	Feb 22, 2017
Instrument	201700003697

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Mar 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	130 EMERALD DR, WHITEFISH, MT 59937-8445
Transaction Type	Mortgage
Record Updated	Aug 10, 2021
Title Company	FLATHEAD PREMIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100024737
Date	Jul 23, 2021
Instrument	202100024737

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company
Address	KALISPELL, MT 59901

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 130 Emerald Dr was $1,715.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,715.00	$631,700
2025			$631,700 Land $237,586 Building $394,114
2023	$3,345.00	$543,900	$543,900 Land $254,163 Building $289,737

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 130 Emerald Dr in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	3 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 130 Emerald Dr is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 77% of Montana
Wildfire Likelihood	0.08% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EMERALD HEIGHTS HOA WATER & SEWER DIST serves 70 people · EPA ID MT0002862
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon, Vero Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Emerald Dr

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