188 Bernard Rd, Kalispell, MT 59901 Property Records

Flathead County property record for 188 Bernard Rd, Kalispell, MT 59901

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,491 sqft · built 1935
Lot Size	0.371 acres (16,204 sqft)
Owner	Individual Name on File
Tax Bill	$2,956 (2023)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`R0774760`

Property Details

APN / Parcel Number

Primary APN	`R0774760`
Alternative APNs	`07-3966-03-2-07-06-0000` `0000571000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,491 sqft Living Area
1st Floor Area	1,491 sqft
Fireplaces	1 Fireplace
Fireplace	Prefabricated

Exterior

Year Built	Built 1935
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	16,204 sqft (0.371 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000571000
Street Address	188 BERNARD RD
City	KALISPELL
State	MT
Zip	59901-2407
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	1
Legal Description	BERNARDS PARK, S03, T28 N, R21 W, BLOCK 2, LOT 1, TR AA S-135
Legal Range	21W
Legal Township	28N
Legal Section	03
Legal Quarter	NW
Legal Subdivision	BERNARDS PARK
Legal Block	2
Legal Lot Number	1
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	5
Census Block	5002
Census Tract	700

Owner

Source: Flathead County records · APN R0774760

Assessment roll updated December 31, 2022 · Last verified September 2023

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	188 BERNARD RD, KALISPELL, MT 59901-2407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 09, 2020
Deed Sale	Oct 09, 2020
Prior Sale	Nov 24, 2006
Deed Document Number	202000033882
Record Updated	Jun 07, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Oct 09, 2020
Property Address	188 BERNARD RD, KALISPELL, MT 59901-2407
Document Number	202000033882
Instrument Date	Oct 07, 2020
Instrument	202000033882
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	INSURED TITLE, INSURED TITLES

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
Address	188 BERNARD RD, KALISPELL, MT 59901-2407
Investor	Possibly a Property Investor

Mortgage

Document Number	202000033884
Date	Oct 09, 2020
Instrument	202000033884

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

Tax Assessment & Valuation

Source: Flathead County records · Assessment roll updated December 31, 2022 · Last verified September 2023

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$2,956.00	$347,500	$347,500 Land $74,340 Building $273,160

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 16, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 51 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	51 in force
Nearby Flood Claims	3 (1997–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2022 · Severe Storm And Flooding

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 98.9% of Montana
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
VFN Holdings Fiber	2,500 / 2,500
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Richon Fixed Wireless	100 / 50

May also be available: MontanaSky Networks, Verizon.

Based on FCC filings for 155 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	FLATHEAD COUNTY WATER AND SEWER serves 9,520 people
Water Source	Groundwater
Last State Inspection	Aug 2022
Lead	1 ppb (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	1 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.