178 Armory Rd, Whitefish, MT 59937 Property Records

Flathead County property record for 178 Armory Rd, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,728 sqft · built 1997
Lot Size	0.31 acres (13,504 sqft)
Owner	Trust Name on File
Tax Bill	$3,324 (2026)
Deeds & Mortgages	May 2026 Mortgage May 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R07101327`

Property Details

APN / Parcel Number

Primary APN	`R07101327`
Alternative APNs	`07-4293-32-2-20-19-0000` `0000981265`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,728 sqft Living Area
1st Floor Area	1,244 sqft
Attic	Attic
Attic Area	484 sqft
Basement Area	1,064 sqft
Finished Basement	1,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	96 sqft
Deck Area	538 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	0000981265
Street Address	178 ARMORY RD
City	WHITEFISH
State	MT
Zip	59937-8139
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW BROOK SUB PH 2, S32, T31 N, R21 W, LOT 039, WILLOW BROOK PHASE 2
Legal Range	21W
Legal Township	31N
Legal Section	32
Legal Subdivision	WILLOW BROOK SUB PH 2
Legal Lot Number	39
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	1
Census Block	1012
Census Tract	404

Owner

178 Armory Rd is owner-occupied and held in a trust.

Source: Flathead County records, as of September 11, 2026

Owner of Record	Trust Name on File
Mailing Address	178 ARMORY RD, WHITEFISH, MT 59937-8139
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable 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
May 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CREDIT UNION
May 13, 2026	Deed of Trust · Conventional Mortgage WHITEFISH CREDIT UNION
Aug 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Recording Date	May 13, 2026
Property Address	178 ARMORY RD, WHITEFISH, MT 59937-8139
Document Number	202600009686
Instrument Date	May 8, 2026
Instrument	20269686
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165

Mortgage

Document Number	0000009686,
Date	May 13, 2026
Instrument	20269686

Lender

Name	WHITEFISH CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 8, 2041

Interest

Rate Type	Fixed Rate
Rate	5.74%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Recording Date	May 13, 2026
Property Address	178 ARMORY RD, WHITEFISH, MT 59937-8139
Document Number	0000009686
Instrument Date	May 8, 2026
Instrument	20269686
Record Updated	Jun 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust, 222

Mortgage

Document Number	0000009686,
Date	May 13, 2026
Instrument	20269686

Lender

Name	WHITEFISH CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 8, 2041

Interest

Rate Type	Fixed Rate
Rate	5.74%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	178 ARMORY RD, WHITEFISH, MT 59937-8139
Transaction Type	Mortgage
Record Updated	Sep 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100028697
Date	Aug 17, 2021
Instrument	202100028697

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 25, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 178 Armory Rd was $3,324.

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

Property Jurisdictions

Type	Name
State	Montana
County	Flathead County
Municipality	Whitefish City
Elementary School District	Whitefish Elementary School District (PK - 08)
Secondary School District	Whitefish High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,324.00	$1,003,900
2025			$1,003,900 Land $337,478 Building $666,422
2023	$4,331.00	$630,700	$630,700 Land $227,162 Building $403,538

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

Flood

FEMA maps place 178 Armory Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 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

Wildfire risk around 178 Armory Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 83% of Montana
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: MontanaSky Networks, T-Mobile, Vero Fiber.

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