186 Dawn Dr, Columbia Falls, MT 59912 Property Records

Flathead County property record for 186 Dawn Dr, Columbia Falls, MT 59912

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,112 sqft · built 1992
Lot Size	0.593 acres (25,831 sqft)
Owner	Individual Name on File
Last Sale	$590,000 (Oct 2021)
Tax Bill	$2,259 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Apr 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R0774555`

Property Details

APN / Parcel Number

Primary APN	`R0774555`
Alternative APNs	`07-4185-12-1-05-01-0000` `0000565822`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,112 sqft Living Area
1st Floor Area	1,408 sqft
2nd Floor Area	704 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,831 sqft (0.593 acres)
Garage Type	Detached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	238 sqft
Deck Area	126 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000565822
Street Address	186 DAWN DR
City	COLUMBIA FALLS
State	MT
Zip	59912-8959
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLTOP TERRACE UNIT 2, S12, T30 N, R21 W, LOT 85, ASSR#0000565822
Legal Range	21W
Legal Township	30N
Legal Section	12
Legal Subdivision	HILLTOP TERRACE UNIT 2
Legal Lot Number	85
Jurisdiction	FLATHEAD MT
Township / Civil Division	COLUMBIA FALLS
Census Block Group	1
Census Block	1005
Census Tract	201

Owner

186 Dawn Dr is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	186 DAWN DR, COLUMBIA FALLS, MT 59912-8959
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
Nov 14, 2023	Deed of Trust, Mortgage · Line of Credit PARK SIDE FCU
Apr 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK
Jan 4, 2022	Intrafamily Transfer, Transfer
Oct 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2021 · Amount on File
Deed Sale	Oct 8, 2021 · Amount on File
Prior Sale	Mar 10, 2015 · Amount on File
Deed Document Number	202135925
Prior Transfer Date	Oct 4, 2021
Prior Transfer Doc	0000035925
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	186 DAWN DR, COLUMBIA FALLS, MT 59912-9578
Transaction Type	Mortgage
Record Updated	Nov 24, 2023
Title Company	FLATHEAD PREMIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 DAWN DR, COLUMBIA FALLS, MT 59912-8959

Mortgage

Document Number	202300020222
Date	Nov 14, 2023
Instrument	202300020222

Lender

Name	PARK SIDE FCU
Type	Credit Union
Address	MISSOULA, MT 59801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 25, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	186 DAWN DR, COLUMBIA FALLS, MT 59912-9578
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900007392
Date	Apr 22, 2019
Instrument	201900007392

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	186 DAWN DR, COLUMBIA FALLS, MT 59912-9578
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	ALLIANCE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000032569
Date	Sep 30, 2020
Instrument	202000032569

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Jan 4, 2022
Property Address	186 DAWN DR, COLUMBIA FALLS, MT 59912-9578
Document Number	202200000218
Instrument Date	Jan 3, 2022
Instrument	202200000218
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	383 BISMARK ST, KALISPELL, MT 59901-9006

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Oct 8, 2021
Property Address	186 DAWN DR, COLUMBIA FALLS, MT 59912-9578
Document Number	202100035925
Instrument Date	Oct 4, 2021
Instrument	202100035925
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	FLATHEAD PREMIER TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 DAWN DR, COLUMBIA FALLS, MT 59912-9578

Mortgage

Document Number	202100035926
Date	Oct 8, 2021
Instrument	202100035926

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 186 Dawn Dr was $2,259.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,259.00	$576,002
2025			$576,002 Land $155,082 Building $420,920
2023	$3,719.00	$474,652	$474,652 Land $109,452 Building $365,200

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

Flood

FEMA maps place 186 Dawn Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2016.

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	3 (2016–2018)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2018 · rainfall accumulation

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 186 Dawn Dr is moderate, ranking above 56% 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 56% of the US · lower than 68% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HILLTOP TERRACE SUBDIVISION private · serves 230 people · EPA ID MT0001922
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Jun 2020
Monitoring and Reporting	1 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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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