145 Ponderosa Ln, Kalispell, MT 59901 Property Records

Flathead County property record for 145 Ponderosa Ln, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,571 sqft · built 1989
Lot Size	0.644 acres (28,053 sqft)
Owner	2 Trust Names on File
Last Sale	$399,000 (Aug 2023)
Tax Bill	$3,635 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R0788449`

Property Details

APN / Parcel Number

Primary APN	`R0788449`
Alternative APNs	`07-4078-19-2-07-10-0000` `0000967837`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,571 sqft Living Area
1st Floor Area	1,366 sqft
2nd Floor Area	1,205 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,053 sqft (0.644 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	196 sqft
Deck Area	56 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000967837
Street Address	145 PONDEROSA LN
City	KALISPELL
State	MT
Zip	59901-6833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	PONDEROSA AMD, S19, T29 N, R21 W, LOT 3, ASSR #0000967837
Legal Range	21W
Legal Township	29N
Legal Section	19
Legal Subdivision	PONDEROSA AMD
Legal Lot Number	3
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	2
Census Block	2031
Census Tract	601

Owner

145 Ponderosa Ln is held in a trust since August 2023.

Source: Flathead County records, as of September 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	120 DURAZNO WAY, PORTOLA VALLEY, CA 94028-7409
Owner Type	Company
Vesting	Trust, Living Trust

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
Mar 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC
Aug 23, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 10, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 28, 2020	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2023 · Amount on File
Deed Sale	Aug 23, 2023 · Amount on File
Prior Sale	Sep 10, 2021 · Amount on File
Deed Document Number	202315040
Last Transfer Date	Aug 24, 2023
Transfer Doc	0000015265
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	145 PONDEROSA LN, KALISPELL, MT 59901-6833
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	ORG

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 DURAZNO WAY, PORTOLA VALLEY, CA 94028-7409

Mortgage

Document Number	202600005206
Date	Mar 16, 2026
Instrument	202600005206

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Aug 23, 2023
Property Address	145 PONDEROSA LN, KALISPELL, MT 59901-6833
Document Number	202300015040
Instrument Date	Aug 23, 2023
Instrument	202300015040
Transaction Type	Transfer
Record Updated	Sep 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
Address	120 DURAZNO WAY, PORTOLA VALLEY, CA 94028-7409

Mortgage

Document Number	202300015041
Date	Aug 23, 2023
Instrument	202300015041

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Sep 10, 2021
Property Address	145 PONDEROSA LN, KALISPELL, MT 59901-6833
Document Number	202100032823
Instrument Date	Aug 26, 2021
Instrument	202100032823
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	INSURED TITLE, INSURED TITLES

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
Address	145 PONDEROSA LN, KALISPELL, MT 59901-6833

Mortgage

Document Number	202100032824
Date	Sep 10, 2021
Instrument	202100032824

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jul 28, 2020
Property Address	145 PONDEROSA LN, KALISPELL, MT 59901-6833
Document Number	202000021173
Instrument Date	Jul 27, 2020
Instrument	202000021173
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	INSURED TITLE, INSURED TITLES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 PONDEROSA LN, KALISPELL, MT 59901-6833

Mortgage

Document Number	202000021174
Date	Jul 28, 2020
Instrument	202000021174

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 145 Ponderosa Ln was $3,635, down 2.3% from the year before.

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

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
2026	$3,635.00 (-2.31%)	$844,100 (-)
2025	$3,721.00	$844,100	$844,100 Land $229,832 Building $614,268
2023	$5,576.00	$667,100	$667,100 Land $116,909 Building $550,191

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

Flood

FEMA maps place 145 Ponderosa Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1997.

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (1997)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 1997 · Severe Storms,ice Jams, Snow Melt, Flooding
Claims by Event	Severe Storms,ice Jams, Snow Melt, Flooding, May 1997 · 3 claims

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 145 Ponderosa Ln is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 98.8% of Montana
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	PONDEROSA HOMEOWNERS ASSN INC private · serves 246 people · EPA ID MT0002863
Water Source	Groundwater
Last State Inspection	May 2026
Lead	4 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	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025

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

May also be available: Bullitt Communications, Verizon.

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