140 Elm Ave, Kalispell, MT 59901 Property Records

Flathead County property record for 140 Elm Ave, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 1,393 sqft · built 1975
Lot Size	0.792 acres (34,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$423,937 (Apr 2023)
Tax Bill	$6,106 (2026)
Deeds & Mortgages	Mar 2019 Reverse Mortgage Apr 2023 Mortgage
Flood Zone	Zone AE (high risk)
APN	`R0781649`

Property Details

APN / Parcel Number

Primary APN	`R0781649`
Alternative APNs	`07-3966-04-1-08-05-0000` `0000777176`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,393 sqft Living Area
1st Floor Area	1,393 sqft
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	34,500 sqft (0.792 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	750 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000777176
Street Address	140 ELM AVE
City	KALISPELL
State	MT
Zip	59901-2912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	SPRINGDALE ADD 1, S04, T28 N, R21 W, BLOCK 15, LOT 3, LOT 4 EX S25', ASSR# 0000777176
Legal Range	21W
Legal Township	28N
Legal Section	04
Legal Subdivision	SPRINGDALE ADD 1
Legal Block	15
Legal Lot Number	3,4
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	5
Census Block	5003
Census Tract	700

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	736 BIRCH ST, HELENA, MT 59601-0401
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2019	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Apr 11, 2023	Deed, Transfer · Conventional Mortgage OPPORTUNITY BANK OF MT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2023 · Amount on Record
Deed Sale	Apr 11, 2023 · Amount on Record
Deed Document Number	20235252
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	140 ELM AVE, KALISPELL, MT 59901-2912
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900005264
Date	Mar 21, 2019
Instrument	201900005264

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.21%
Type Change Date	Apr 1, 2020
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FLATHEAD MT
Recording Date	Apr 11, 2023
Property Address	140 ELM AVE, KALISPELL, MT 59901-2912
Document Number	202300005252
Instrument Date	Apr 3, 2023
Instrument	202300005252
Transaction Type	Transfer
Record Updated	Aug 14, 2023
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	736 BIRCH ST, HELENA, MT 59601-0401

Mortgage

Document Number	202300005253
Date	Apr 11, 2023
Instrument	202300005253

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

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	Evergreen 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	$6,106.00 (+50.8%)	$599,000 (+25.84%)
2025			$599,000 (+25.84%) Land $200,225 Building $398,775
2023	$4,049.00	$476,000	$476,000 Land $87,150 Building $388,850

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 51 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	51 in force
Nearby Flood Claims	3 (1997–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2022 · Severe Storm And Flooding

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 99.1% of the US · lower than 99.8% of Montana
Wildfire Likelihood	Under 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.

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

Provider	Max Down / Up (Mbps)
Vero Fiber Fiber	2,500 / 2,500
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Bullitt Communications Fixed Wireless	100 / 50

May also be available: MontanaSky Networks, Verizon.

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