173 Bernard Rd, Kalispell, MT 59901 Property Records

Flathead County property record for 173 Bernard Rd, Kalispell, MT 59901 · Last verified June 2026

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 816 sqft · built 1956
Lot Size	0.757 acres (32,975 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,184 (2025)
Deeds & Mortgages	Apr 2026 Sale Sep 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`R0752439`

Property Details

APN / Parcel Number

Primary APN	`R0752439`
Alternative APNs	`07-3966-03-2-03-10-0000` `0000039600`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Shingles
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	32,975 sqft (0.757 acres)
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000039600
Street Address	173 BERNARD RD
City	KALISPELL
State	MT
Zip	59901-2406
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	BERNARDS PARK, S03, T28 N, R21 W, BLOCK 004, LOT 002, TR2 IN W 330 FT L2
Legal Range	21W
Legal Township	28N
Legal Section	03
Legal Subdivision	BERNARDS PARK
Legal Tract	2
Legal Block	4
Legal Lot Number	2
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	5
Census Block	5000
Census Tract	700

Owner

Source: Flathead County records · APN R0752439

Assessment roll updated September 3, 2025 · Last verified June 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 File
Mailing Address	173 BERNARD RD, KALISPELL, MT 59901-2406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Affidavit, Transfer
Sep 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 09, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Apr 30, 2026
Transfer Doc	0000008814
Record Updated	Sep 20, 2026

April 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	FLATHEAD MT
Recording Date	Apr 30, 2026
Property Address	173 BERNARD RD, KALISPELL, MT 59901-2406
Document Number	0000008814
Instrument Date	Apr 30, 2026
Instrument	20268814
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 BERNARD RD, KALISPELL, MT 59901-2406

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	173 BERNARD RD, KALISPELL, MT 59901-2406
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000029622
Date	Sep 11, 2020
Instrument	202000029622

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	173 BERNARD RD, KALISPELL, MT 59901-2406
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900031936
Date	Dec 09, 2019
Instrument	201900031936

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2050

Tax Assessment & Valuation

Source: Flathead County records · Assessment roll updated September 3, 2025 · Last verified June 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,184.00 (-48.68%)	$302,100 (+11.39%)	$302,100 (+11.39%) Land $165,669 Building $136,431
2023	$2,307.00	$271,200	$271,200 Land $86,083 Building $185,117

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Flathead County (30029C), updated November 16, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 300290007005, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 51 individual NFIP policies nearby
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, other causes, Severe Storm And Flooding

Wildfire

Wildfire Risk	Low above 5% of the US · above 1% of Montana
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 155 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
VFN Holdings	Fiber	2,500 / 2,500
Spectrum	Cable	1,000 / 1,000
Richon	Fixed Wireless (unlicensed)	100 / 50

May also be available at this address: Verizon, Spectrum, MontanaSky Networks. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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