Flathead County property record for 186 Mountain Top Ln, Kalispell, MT 59901
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 1.93 acres (84,071 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,036 (2026) |
| Deeds & Mortgages | Apr 2026 Construction Loan Apr 2019 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | R861757 |
| Primary APN | R861757 |
|---|---|
| Alternative APNs |
|
| Lot Area | 84,071 sqft (1.93 acres) |
|---|
| Account Number | 0000508123 |
|---|---|
| Street Address | 186 MOUNTAIN TOP LN |
| City | KALISPELL |
| State | MT |
| Zip | 59901-6572 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | MOUNTAIN TOP SUB, S14, T29 N, R21 W, LOT 2, ACRES 1.93 |
| Legal Range | 21W |
| Legal Township | 29N |
| Legal Section | 14 |
| Legal Subdivision | MOUNTAIN TOP SUB |
| Legal Lot Number | 2 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | KALISPELL |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 602 |
186 Mountain Top Ln, residential vacant land, is owned by two individuals who acquired it in April 2019.
Source: Flathead County records, as of September 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 149 E RESERVE DR, KALISPELL, MT 59901-6644 |
| 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.
| Date | Document |
|---|---|
| Apr 17, 2026 | Deed of Trust, Mortgage · Construction Mortgage VALLEY BANK/KALISPELL |
| Apr 17, 2019 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 17, 2019 |
| Transfer Doc | 0000007110 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Apr 17, 2026 |
| Property Address | 186 MOUNTAIN TOP LN, KALISPELL, MT 59901-6572 |
| Document Number | 0000007898 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 20267898 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 224 FOREST EDGE TRL, KALISPELL, MT 59901-3190 |
| Document Number | 0000007898, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 20267898 |
| Name | VALLEY BANK/KALISPELL |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Apr 17, 2019 |
| Property Address | 186 MOUNTAIN TOP LN, KALISPELL, MT 59901-6572 |
| Document Number | 201900007110 |
| Instrument Date | Apr 17, 2019 |
| Instrument | 201900007110 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 107 PARKSIDE DR, KALISPELL, MT 59901-2802 |
The 2026 property tax bill for 186 Mountain Top Ln was $2,036.
Source: Flathead County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Flathead County |
| Elementary School District | Helena Flats Elementary School District (PK - 08) |
| Secondary School District | Flathead High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,036.00 | $208,142 | |
| 2025 | $208,142 Land $208,142 | ||
| 2023 | $1,138.00 | $140,262 | $140,262 Land $140,262 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 Mountain Top Ln in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 18 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 risk around 186 Mountain Top Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 98.4% of Montana |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Bullitt Communications Fixed Wireless | 100 / 50 |
May also be available: AT&T, CenturyLink, MontanaSky Networks, Verizon.
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