1851 Whitefish Ranch Rd, Whitefish, MT 59937 Property Records

Flathead County property record for 1851 Whitefish Ranch Rd, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 5,754 sqft · built 2024
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$2,979,200 (Mar 2026)
Tax Bill	$19,800 (2026)
Deeds & Mortgages	Dec 2023 Construction Loan Jul 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R847092`

Property Details

APN / Parcel Number

Primary APN	`R847092`
Alternative APNs	`07-4184-23-3-01-50-0000` `0000507332`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	5,754 sqft Living Area
1st Floor Area	4,655 sqft
Attic	Attic
Attic Area	1,099 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	435,600 sqft (10 acres)
Garage Area	2,064 sqft
Parking Spaces	7 Parking Spaces
Porch	Slab
Porch Area	848 sqft
Deck Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	0000507332
Street Address	1851 WHITEFISH RANCH RD
City	WHITEFISH
State	MT
Zip	59937-9175
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITEFISH HILLS FOREST NO 2, S23, T30 N, R22 W, LOT 1, ACRES 10
Legal Range	22W
Legal Township	30N
Legal Section	23
Legal Subdivision	WHITEFISH HILLS FOREST NO 2
Legal Lot Number	1
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	1
Census Block	1040
Census Tract	402

Owner

1851 Whitefish Ranch Rd is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1851 WHITEFISH RANCH RD, WHITEFISH, MT 59937-9175
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 26, 2023	Deed of Trust, Mortgage · Construction Mortgage GLACIER BANK
Jul 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage GLACIER BANK
Mar 30, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 12, 2023	Warranty Deed, Transfer · Conventional Mortgage GLACIER BANK
Nov 20, 2020	Warranty Deed, Transfer · Conventional Mortgage WHITEFISH CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2026 · Amount on File
Deed Sale	Mar 30, 2026 · Amount on File
Prior Sale	Apr 12, 2023 · Amount on File
Deed Document Number	20266441
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	1851 WHITEFISH RANCH RD, WHITEFISH, MT 59937-9175
Transaction Type	Mortgage
Record Updated	Apr 22, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300022870
Date	Dec 26, 2023
Instrument	202300022870

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Interest

Min Rate At Change	3.75%
Max Rate At Change	13.7%
Margin	3

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	1851 WHITEFISH RANCH RD, WHITEFISH, MT 59937-9175
Transaction Type	Mortgage
Record Updated	Apr 22, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3211 EMERALD LN, GIG HARBOR, WA 98335-1961

Mortgage

Document Number	202500014285
Date	Jul 31, 2025
Instrument	202500014285

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Mar 30, 2026
Property Address	1851 WHITEFISH RANCH RD, WHITEFISH, MT 59937-9175
Document Number	202600006441
Instrument Date	Mar 23, 2026
Instrument	202600006441
Transaction Type	Transfer
Record Updated	Apr 22, 2026
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	1851 WHITEFISH RANCH RD, WHITEFISH, MT 59937-9175

Mortgage

Document Number	202600006442
Date	Mar 30, 2026
Instrument	202600006442

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Apr 12, 2023
Property Address	1851 WHITEFISH RANCH RD, WHITEFISH, MT 59937
Document Number	202300005416
Instrument Date	Apr 12, 2023
Instrument	202300005416
Transaction Type	Transfer
Record Updated	Aug 14, 2023
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	114 TAELOR RD, KALISPELL, MT 59901-1206

Mortgage

Document Number	202300005417
Date	Apr 12, 2023
Instrument	202300005417

Lender

Name	GLACIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 10, 2038

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Adjustable	Adjustable Rate Rider
Type Change Date	May 10, 2028
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	12.1%
Index	5-Year CMT
Max Rate	17.1%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Nov 20, 2020
Property Address	1851 WHITEFISH RANCH RD, WHITEFISH, MT 59937
Document Number	202000039251
Instrument Date	Nov 18, 2020
Instrument	202000039251
Transaction Type	Transfer
Record Updated	Aug 14, 2023
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	4216 GRIZZLY WAY, STEVENSVILLE, MT 59870-6309

Mortgage

Document Number	202000039252
Date	Nov 20, 2020
Instrument	202000039252

Lender

Name	WHITEFISH CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 1851 Whitefish Ranch Rd was $19,800, down 13.7% 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	$19,800.00 (-13.69%)	$3,146,100 (-18.57%)
2025	$22,941.00	$3,863,600	$3,146,100 Land $998,400 Building $2,147,700
2023	$20.00	$15,582	$17,797 Land $17,797

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1851 Whitefish Ranch Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1997.

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 Claims	5 (1997)
Claims Outside the SFHA	5 of 5
Most Recent Claim	May 1997 · Severe Storms,ice Jams, Snow Melt, Flooding
Claims by Event	Severe Storms,ice Jams, Snow Melt, Flooding, May 1997 · 5 claims

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 1851 Whitefish Ranch Rd is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · lower than 69% of Montana
Wildfire Likelihood	0.1% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
CenturyLink DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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