188 N Riding Rd, Kalispell, MT 59901 Property Records

Flathead County property record for 188 N Riding Rd, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,736 sqft · built 1979
Lot Size	0.436 acres (18,992 sqft)
Owner	2 Individual Names on File
Last Sale	$587,020 (Jun 2026)
Tax Bill	$1,923 (2026)
Deeds & Mortgages	Jun 2026 Sale Jun 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R0761899`

Property Details

APN / Parcel Number

Primary APN	`R0761899`
Alternative APNs	`07-3965-01-3-03-11-0000` `0000307252`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,736 sqft Living Area
1st Floor Area	1,736 sqft
Basement Area	1,736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,992 sqft (0.436 acres)
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	28 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000307252
Street Address	188 N RIDING RD
City	KALISPELL
State	MT
Zip	59901-2525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	MEADOWLAND UNIT 2, S01, T28 N, R22 W, LOT 042
Legal Range	22W
Legal Township	28N
Legal Section	01
Legal Subdivision	MEADOWLAND UNIT 2
Legal Lot Number	42
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	2
Census Block	2003
Census Tract	902

Owner

188 N Riding Rd is owned and occupied by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	188 N RIDING RD, KALISPELL, MT 59901-2525
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
Jun 25, 2026	Affidavit, Transfer
Jun 25, 2026	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Nov 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2026 · Amount on File
Deed Sale	Jun 25, 2026 · Amount on File
Deed Document Number	202612832
Record Updated	Oct 29, 2026

June 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	FLATHEAD MT
Recording Date	Jun 25, 2026
Property Address	188 N RIDING RD, KALISPELL, MT 59901-2525
Document Number	0000012831
Instrument Date	Jun 25, 2026
Instrument	202612831
Transaction Type	Transfer
Record Updated	Oct 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jun 25, 2026
Property Address	188 N RIDING RD, KALISPELL, MT 59901-2525
Document Number	0000012832
Instrument Date	Jun 24, 2026
Instrument	202612832
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 N RIDING RD, KALISPELL, MT 59901-2525

Mortgage

Document Number	0000012833,
Date	Jun 25, 2026
Instrument	202612833

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	188 N RIDING RD, KALISPELL, MT 59901-2525
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700029183
Date	Nov 27, 2017
Instrument	201700029183

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2032

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	188 N RIDING RD, KALISPELL, MT 59901-2525
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000011157
Date	May 1, 2020
Instrument	202000011157

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 188 N Riding Rd was $1,923, up 2.8% from the year before.

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	$1,923.00 (+2.83%)	$486,300 (-)
2025	$1,870.00	$486,300	$486,300 Land $132,604 Building $353,696
2023	$3,468.00	$414,900	$414,900 Land $78,352 Building $336,548

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

Flood

FEMA maps place 188 N Riding Rd in Zone X, an area of minimal 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 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

Wildfire risk around 188 N Riding Rd is low, with less than a 0.01% annual chance of 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	MEADOWLAND HOA private · serves 150 people · EPA ID MT0001670
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	2 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

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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