178 N Prairiesmoke Cir, Whitefish, MT 59937 Property Records

Flathead County property record for 178 N Prairiesmoke Cir, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 3,649 sqft · built 2017
Lot Size	1.32 acres (57,673 sqft)
Owner	2 Individual Names on File
Tax Bill	$26,838 (2026)
Deeds & Mortgages	Apr 2017 Construction Loan Jan 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0740649`

Property Details

APN / Parcel Number

Primary APN	`R0740649`
Alternative APNs	`07-4292-13-2-04-30-0000` `0000002477`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,649 sqft Living Area
1st Floor Area	3,229 sqft
2nd Floor Area	420 sqft
Basement Area	2,450 sqft
Finished Basement	2,450 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	57,673 sqft (1.32 acres)
Terrain	Below Road/Slope
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	436 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	0000002477
Street Address	178 N PRAIRIESMOKE CIR
City	WHITEFISH
State	MT
Zip	59937-7901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IRON HORSE PH 2, S13, T31 N, R22 W, LOT 022, IRON HORSE PH 2 ASSR# 0000002477
Legal Range	22W
Legal Township	31N
Legal Section	13
Legal Subdivision	IRON HORSE PH 2
Legal Lot Number	22
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	2
Census Block	2020
Census Tract	302

Owner

178 N Prairiesmoke Cir is owned by two individuals who acquired it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3417 S BEACH DR, TAMPA, FL 33629-8201
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2017	Deed of Trust, Mortgage · Construction Mortgage GLACIER BANK
Jan 27, 2020	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Oct 15, 2019	Warranty Deed, Transfer · Commercial Mortgage AMERICAN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2020
Deed Sale	Jan 27, 2020
Prior Sale	Oct 15, 2019 · Amount on File
Deed Document Number	20202323
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	178 N PRAIRIESMOKE CIR, WHITEFISH, MT 59937-7901
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700007754
Date	Apr 18, 2017
Instrument	201700007754

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.95%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2022
Change Frequency	5 Years
Min Rate At Change	4.94%
Max Rate At Change	8.95%
Index	5-Year CMT
Margin	3
Max Rate	8.95%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jan 27, 2020
Property Address	178 N PRAIRIESMOKE CIR, WHITEFISH, MT 59937-7901
Document Number	202000002323
Instrument Date	Jan 10, 2020
Instrument	202000002323
Transaction Type	Transfer
Record Updated	Aug 10, 2021
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 with Right of Survivorship
Address	3417 S BEACH DR, TAMPA, FL 33629-8201
Investor	Possibly a Property Investor

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Oct 15, 2019
Property Address	178 N PRAIRIESMOKE CIR, WHITEFISH, MT 59937-7901
Document Number	201900026210
Instrument Date	Oct 14, 2019
Instrument	201900026210
Transaction Type	Transfer
Record Updated	Aug 10, 2021

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	704 E 13TH ST STE C, C, WHITEFISH, MT 59937-2994

Mortgage

Document Number	201900026212
Date	Oct 15, 2019
Instrument	201900026212

Lender

Name	AMERICAN BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 178 N Prairiesmoke Cir was $26,838.

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	$26,838.00	$3,829,200
2025			$3,829,200 Land $864,915 Building $2,964,285
2023	$23,701.00	$3,026,600	$3,026,600 Land $484,409 Building $2,542,191

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

Flood

FEMA maps place 178 N Prairiesmoke Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 178 N Prairiesmoke Cir is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · above 51% of Montana
Wildfire Likelihood	0.3% 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	IRON HORSE HOMEOWNERS ASSOC private · serves 335 people · EPA ID MT0004052
Water Source	Groundwater
Last State Inspection	May 2025
Also Mapped Here	CITY OF WHITEFISH
Lead	Under 1 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 33 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: Vero Fiber.

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