Flathead County property record for 174 Mountain Top Ln, Kalispell, MT 59901
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,584 sqft · built 2023 |
| Lot Size | 2.42 acres (105,415 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,720 (2026) |
| Deeds & Mortgages | Feb 2021 Construction Loan Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | R0769586 |
| Primary APN | R0769586 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,584 sqft Living Area |
| 1st Floor Area | 2,158 sqft |
| Attic | Attic |
| Attic Area | 426 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 105,415 sqft (2.42 acres) |
| Garage Area | 1,112 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Deck Area | 294 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Account Number | 0000500740 |
|---|---|
| Street Address | 174 MOUNTAIN TOP LN |
| City | KALISPELL |
| State | MT |
| Zip | 59901-6572 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MOUNTAIN TOP SUB, S14, T29 N, R21 W, LOT 1, ACRES 2.42 |
| Legal Range | 21W |
| Legal Township | 29N |
| Legal Section | 14 |
| Legal Subdivision | MOUNTAIN TOP SUB |
| Legal Lot Number | 1 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | KALISPELL |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 602 |
174 Mountain Top Ln is owned by two individuals who acquired it in December 2020.
Source: Flathead County records, as of September 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 5451, KALISPELL, MT 59903-5451 |
| 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.
| Date | Document |
|---|---|
| Feb 5, 2021 | Deed of Trust, Mortgage · Construction Mortgage GLACIER BANK |
| Jan 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GLACIER BANK |
| Dec 17, 2020 | Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTILE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 17, 2020 |
| Deed Sale | Dec 17, 2020 |
| Prior Sale | Apr 17, 2019 |
| Deed Document Number | 202042578 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 174 MOUNTAIN TOP LN, KALISPELL, MT 59901-6572 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 202100004450 |
|---|---|
| Date | Feb 5, 2021 |
| Instrument | 202100004450 |
| Name | GLACIER BANK |
|---|---|
| Type | Bank |
| Address | KALISPELL, MT 59901 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 6.75% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 9.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 174 MOUNTAIN TOP LN, KALISPELL, MT 59901-6572 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 202200000478 |
|---|---|
| Date | Jan 7, 2022 |
| Instrument | 202200000478 |
| Name | GLACIER BANK |
|---|---|
| Type | Bank |
| Address | KALISPELL, MT 59901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Dec 17, 2020 |
| Property Address | 174 MOUNTAIN TOP LN, KALISPELL, MT 59901-6572 |
| Document Number | 202000042578 |
| Instrument Date | Dec 17, 2020 |
| Instrument | 202000042578 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTILE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 5451, KALISPELL, MT 59903-5451 |
The 2026 property tax bill for 174 Mountain Top Ln was $4,720.
Source: Flathead County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Flathead County |
| Elementary School District | Helena Flats Elementary School District (PK - 08) |
| Secondary School District | Flathead High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,720.00 | $1,018,508 | |
| 2025 | $1,018,508 Land $217,648 Building $800,860 | ||
| 2023 | $1,191.00 | $146,828 | $146,828 Land $146,828 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 174 Mountain Top Ln in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 18 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 risk around 174 Mountain Top Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 98.4% of Montana |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Bullitt Communications Fixed Wireless | 100 / 50 |
May also be available: AT&T, CenturyLink, MontanaSky Networks, Verizon.
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