181 N Riding Rd, Kalispell, MT 59901 Property Records

Flathead County property record for 181 N Riding Rd, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,128 sqft · built 1988
Lot Size	0.771 acres (33,585 sqft)
Owner	Individual Name on Record
Last Sale	$214,400 (May 2017)
Tax Bill	$1,761 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Sep 2018 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R0755921`

Property Details

APN / Parcel Number

Primary APN	`R0755921`
Alternative APNs	`07-3965-01-3-01-02-0000` `0000142957`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,128 sqft Living Area
1st Floor Area	1,128 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,585 sqft (0.771 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	90 sqft
Deck Area	216 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000142957
Street Address	181 N RIDING RD
City	KALISPELL
State	MT
Zip	59901-2524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	MEADOWLAND UNIT 2, S01, T28 N, R22 W, LOT 22, ASSR# 0000142957
Legal Range	22W
Legal Township	28N
Legal Section	01
Legal Subdivision	MEADOWLAND UNIT 2
Legal Lot Number	22
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	2
Census Block	2007
Census Tract	902

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	181 N RIDING RD, KALISPELL, MT 59901-2524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 27, 2018	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Aug 4, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 15, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 11, 2017	Intrafamily Transfer, Transfer · VA Mortgage HOWARD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2017 · Amount on Record
Deed Sale	May 11, 2017 · Amount on Record
Prior Sale	Oct 16, 2014 · Amount on Record
Deed Document Number	20179333
Prior Transfer Date	Mar 9, 2011
Prior Transfer Doc	0000005289
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	181 N RIDING RD, KALISPELL, MT 59901-2524
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 N RIDING RD, KALISPELL, MT 59901-2524

Mortgage

Document Number	202300018484
Date	Oct 16, 2023
Instrument	202300018484

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	181 N RIDING RD, KALISPELL, MT 59901-2524
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800023915
Date	Sep 27, 2018
Instrument	201800023915

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	181 N RIDING RD, KALISPELL, MT 59901-2524
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000017609
Date	Jun 29, 2020
Instrument	202000017609

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	181 N RIDING RD, KALISPELL, MT 59901-2524
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100026886
Date	Aug 4, 2021
Instrument	202100026886

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	181 N RIDING RD, KALISPELL, MT 59901-2524
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200017391
Date	Jul 15, 2022
Instrument	202200017391

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	May 11, 2017
Property Address	181 N RIDING RD, KALISPELL, MT 59901-2524
Document Number	201700009333
Instrument Date	Feb 21, 2017
Instrument	201700009333
Transaction Type	Transfer
Record Updated	Aug 14, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 N RIDING RD, KALISPELL, MT 59901-2524

Mortgage

Document Number	201700009334
Date	May 11, 2017
Instrument	201700009334

Lender

Name	HOWARD BANK
Type	Bank
Address	ELLICOTT CITY, MD 21043

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,761.00 (-45.23%)	$450,900 (+17.21%)
2025			$450,900 (+17.21%) Land $160,312 Building $290,588
2023	$3,215.00	$384,700	$384,700 Land $95,123 Building $289,577

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

Flood

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	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

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

Wildfire Risk	Low lower than 98% of the US · lower than 99.5% of Montana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	KALISPELL PUBLIC WORKS serves 25,000 people · EPA ID MT0000259
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 ppb (2021–2023) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Bullitt Communications Fixed Wireless	100 / 50
MontanaSky Networks Fixed Wireless	100 / 20

May also be available: Verizon.

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