180 W Emerald Dr, Whitefish, MT 59937 Property Records

Flathead County property record for 180 W Emerald Dr, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,330 sqft · built 1984
Lot Size	0.498 acres (21,693 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Aug 2016)
Tax Bill	$4,253 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0776928`

Property Details

APN / Parcel Number

Primary APN	`R0776928`
Alternative APNs	`07-4184-12-4-08-03-0000` `0000636672`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,330 sqft Living Area
1st Floor Area	1,330 sqft
Basement Area	650 sqft
Finished Basement	650 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,693 sqft (0.498 acres)
Parking Spaces	2 Parking Spaces
Deck Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000636672
Street Address	180 W EMERALD DR
City	WHITEFISH
State	MT
Zip	59937-8534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD HEIGHTS, S12, T30 N, R22 W, LOT 25, ASSR# 0000636672
Legal Range	22W
Legal Township	30N
Legal Section	12
Legal Subdivision	EMERALD HEIGHTS
Legal Lot Number	25
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	1
Census Block	1030
Census Tract	403

Owner

180 W Emerald Dr is owned and occupied by two individuals who acquired it in November 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	180 W EMERALD DR, WHITEFISH, MT 59937-8534
Occupancy	Owner Occupied
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
Jun 24, 2026	Deed of Trust, Mortgage · Line of Credit WHITEFISH CREDIT UNION
Jul 2, 2026	Deed of Trust, Mortgage · Line of Credit WHITEFISH CREDIT UNION
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2016 · Amount on File
Deed Sale	Aug 5, 2016 · Amount on File
Prior Sale	Apr 11, 2013 · Amount on File
Deed Document Number	201616465
Last Transfer Date	Nov 13, 2024
Transfer Doc	0000023889
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Recording Date	Jun 24, 2026
Property Address	180 W EMERALD DR, WHITEFISH, MT 59937-8534
Document Number	0000012718
Instrument Date	Jun 18, 2026
Instrument	202612718
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE TEAM LLC, TITLE TEAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	180 W EMERALD DR, WHITEFISH, MT 59937-8534

Mortgage

Document Number	0000012718,
Date	Jun 24, 2026
Instrument	202612718

Lender

Name	WHITEFISH CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 25, 2036

Interest

Rate	6.51%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Recording Date	Jul 2, 2026
Property Address	180 W EMERALD DR, WHITEFISH, MT 59937-8534
Document Number	0000013400
Instrument Date	Jun 18, 2026
Instrument	202613400
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	TITLE TEAM LLC, TITLE TEAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	180 W EMERALD DR, WHITEFISH, MT 59937-8534

Mortgage

Document Number	0000013400,
Date	Jul 2, 2026
Instrument	202613400

Lender

Name	WHITEFISH CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 25, 2036

Interest

Rate Type	Balloon
Rate	6.51%
Initial Type	Balloon
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	180 W EMERALD DR, WHITEFISH, MT 59937-8534
Transaction Type	Mortgage
Record Updated	Aug 10, 2021
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100006246
Date	Feb 23, 2021
Instrument	202100006246

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 180 W Emerald Dr was $4,253, up 105% from the year before.

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

Property Jurisdictions

Type	Name
State	Montana
County	Flathead County
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	$4,253.00 (+104.96%)	$675,900 (-)
2025	$2,075.00	$675,900	$675,900 Land $238,532 Building $437,368
2023	$3,804.00	$618,400	$618,400 Land $254,524 Building $363,876

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

Flood

FEMA maps place 180 W Emerald Dr in Zone X, an area of minimal 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 180 W Emerald Dr is moderate, ranking above 40% of the US, with a 0.06% 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	0.06% 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	EMERALD HEIGHTS HOA WATER & SEWER DIST serves 70 people · EPA ID MT0002862
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	3 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	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon, Vero Fiber.

Nearby Properties on W Emerald Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures