Flathead County property record for 191 Cottage Dr, Kalispell, MT 59901
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,822 sqft · built 2021 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $332,500 (Sep 2021) |
| Tax Bill | $2,618 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R861484 |
| Primary APN | R861484 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,822 sqft Living Area |
| 1st Floor Area | 934 sqft |
| 2nd Floor Area | 888 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 176 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 0000508031 |
|---|---|
| Street Address | 191 COTTAGE DR |
| City | KALISPELL |
| State | MT |
| Zip | 59901-9182 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COTTAGE GARDENS SUB, S02, T28 N, R22 W, LOT 26 |
| Legal Range | 22W |
| Legal Township | 28N |
| Legal Section | 02 |
| Legal Subdivision | COTTAGE GARDENS SUB |
| Legal Lot Number | 26 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | KALISPELL |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 802 |
Source: Flathead County records, as of June 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 191 COTTAGE DR, KALISPELL, MT 59901-9182 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 8, 2026 | Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK |
| Oct 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE |
| Sep 13, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage EDGE LLC |
| Mar 5, 2021 | Warranty Deed, Transfer INSURED TITLE, INSURED TITLES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 13, 2021 · Amount on Record |
| Deed Sale | Sep 13, 2021 · Amount on Record |
| Prior Sale | Mar 5, 2021 |
| Deed Document Number | 202132934 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Jul 8, 2026 |
| Property Address | 191 COTTAGE DR, KALISPELL, MT 59901-9182 |
| Document Number | 0000013778 |
| Instrument Date | Jul 7, 2026 |
| Instrument | 202613778 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2026 |
| Title Company | INSURED TITLE, INSURED TITLES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 191 COTTAGE DR, KALISPELL, MT 59901-9182 |
| Document Number | 0000013779, |
|---|---|
| Date | Jul 8, 2026 |
| Instrument | 202613779 |
| Name | PLAINS COMMERCE BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 191 COTTAGE DR, KALISPELL, MT 59901-9182 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Title Company | INSURED TITLE, INSURED TITLES |
| Name | Verified Name |
|---|
| Document Number | 202100036419 |
|---|---|
| Date | Oct 14, 2021 |
| Instrument | 202100036419 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DES PLAINES, IL 60018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Sep 13, 2021 |
| Property Address | 191 COTTAGE DR, KALISPELL, MT 59901-9182 |
| Document Number | 202100032934 |
| Instrument Date | Aug 18, 2021 |
| Instrument | 202100032934 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2023 |
| Title Company | INSURED TITLES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 191 COTTAGE DR, KALISPELL, MT 59901-9182 |
| Document Number | 202100032935 |
|---|---|
| Date | Sep 13, 2021 |
| Instrument | 202100032935 |
| Name | EDGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Mar 5, 2021 |
| Property Address | 191 COTTAGE DR, KALISPELL, MT 59901-9182 |
| Document Number | 202100007650 |
| Instrument Date | Mar 5, 2021 |
| Instrument | 202100007650 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2023 |
| Title Company | INSURED TITLE, INSURED TITLES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 7184, KALISPELL, MT 59904-0184 |
Source: Flathead County assessment roll, as of September 3, 2025
| Type | Name |
|---|---|
| State | Montana |
| County | Flathead County |
| Municipality | Kalispell City |
| Secondary School District | Flathead High School District (09 - 12) |
| Elementary School District | West Valley Elementary School District (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,618.00 (-31.68%) | $523,600 (+25.11%) | $523,600 (+25.11%) Land $108,915 Building $414,685 |
| 2023 | $3,832.00 | $418,500 | $418,500 Land $64,014 Building $354,486 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Montana |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | KALISPELL PUBLIC WORKS serves 25,000 people · EPA ID MT0000259 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 251 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Bullitt Communications Fixed Wireless | 100 / 50 |
| MontanaSky Networks Fixed Wireless | 100 / 20 |
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