Flathead County property record for 15 Lower Valley Rd, Kalispell, MT 59901
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,737 sqft · built 1978 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,038 (2026) |
| Deeds & Mortgages | May 2022 Mortgage Jan 2022 Re-recorded Document + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R0784185 |
| Primary APN | R0784185 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,737 sqft Living Area |
| 1st Floor Area | 1,737 sqft |
| Basement Area | 350 sqft |
| Finished Basement | 350 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 27,443 sqft (0.63 acres) |
| Garage Type | Mixed |
| Garage Area | 939 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 445 sqft |
| Deck Area | 25 sqft |
| Shed | 1 Shed |
| Shed Area | 195 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000848948 |
|---|---|
| Street Address | 15 LOWER VALLEY RD |
| City | KALISPELL |
| State | MT |
| Zip | 59901-7971 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S28, T28 N, R21 W, C.O.S. 18227, PARCEL B, TR 5C IN NW4NW4, 0000848948 |
| Legal Range | 21W |
| Legal Township | 28N |
| Legal Section | 28 |
| Legal Subdivision | CERTIFICATE OF SURVEY NO 18227 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | KALISPELL |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 1201 |
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 | 15 LOWER VALLEY RD, KALISPELL, MT 59901-7971 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CU |
| Jan 21, 2022 | Re-recorded Document |
| Jan 14, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2022 |
| Deed Sale | Jan 14, 2022 |
| Prior Sale | Mar 25, 2008 · Amount on Record |
| Deed Document Number | 20221284 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 15 LOWER VALLEY RD, KALISPELL, MT 59901-7971 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Title Company | INSURED TITLE |
| Name | Verified Name |
|---|
| Document Number | 202200013841 |
|---|---|
| Date | May 31, 2022 |
| Instrument | 202200013841 |
| Name | WHITEFISH CU |
|---|---|
| Type | Credit Union |
| Address | WHITEFISH, MT 59937 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2042 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Jan 21, 2022 |
| Property Address | 15 LOWER VALLEY RD, KALISPELL, MT 59901-7971 |
| Document Number | 202200001937 |
| Instrument Date | Jan 12, 2022 |
| Instrument | 202200001937 |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 5293, KALISPELL, MT 59903-5293 |
| Name | Verified Name |
|---|---|
| Address | 15 LOWER VALLEY RD, KALISPELL, MT 59901-7971 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Jan 14, 2022 |
| Property Address | 15 LOWER VALLEY RD, KALISPELL, MT 59901-7971 |
| Document Number | 202200001285 |
| Instrument Date | Jan 12, 2022 |
| Instrument | 202200001285 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 5293, KALISPELL, MT 59903-5293 |
Source: Flathead County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Flathead County |
| Elementary School District | Somers Elementary School District (PK - 08) |
| Secondary School District | Flathead High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,038.00 (-6.73%) | $604,300 (-) | |
| 2025 | $2,185.00 (-39.52%) | $604,300 (+22.48%) | $604,300 (+22.48%) Land $141,968 Building $462,332 |
| 2023 | $3,613.00 | $493,400 | $493,400 Land $84,815 Building $408,585 |
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 · 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 | 4 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | KALISPELL PUBLIC WORKS serves 25,000 people · EPA ID MT0000259 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Glacier Broadband Fixed Wireless | 1,000 / 1,000 |
| Bullitt Communications Fixed Wireless | 100 / 50 |
May also be available: Blackfoot Telephone Cooperative, Verizon, Western Montana CommunityTel.
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