Flathead County property record for 195 Armory Rd, Whitefish, MT 59937
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,560 sqft · built 1966 |
| Lot Size | 0.78 acres (33,977 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,316 (2026) |
| Deeds & Mortgages | Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R0766639 |
| Primary APN | R0766639 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,560 sqft Living Area |
| 1st Floor Area | 1,650 sqft |
| 2nd Floor Area | 910 sqft |
| Basement Area | 416 sqft |
| Finished Basement | 416 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 33,977 sqft (0.78 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000432200 |
|---|---|
| Street Address | 195 ARMORY RD |
| City | WHITEFISH |
| State | MT |
| Zip | 59937-8140 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S32, T31 N, R21 W, TR 1SC IN SE4NW4, TR 1SE IN E2SE4NW4 |
| Legal Range | 21W |
| Legal Township | 31N |
| Legal Section | 32 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | WHITEFISH |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 404 |
195 Armory Rd is owned and occupied by two individuals.
Source: Flathead County records, as of September 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 195 ARMORY RD, WHITEFISH, MT 59937-8140 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 195 ARMORY RD, WHITEFISH, MT 59937-8140 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ATEC |
| Name | Verified Name |
|---|
| Document Number | 201700011404 |
|---|---|
| Date | Jun 6, 2017 |
| Instrument | 201700011404 |
| Name | WHITEFISH CU |
|---|---|
| Type | Credit Union |
| Address | WHITEFISH, MT 59937 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 15, 2027 |
The 2026 property tax bill for 195 Armory Rd was $3,316.
Source: Flathead County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Flathead County |
| Municipality | Whitefish City |
| Elementary School District | Whitefish Elementary School District (PK - 08) |
| Secondary School District | Whitefish High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,316.00 | $998,900 | |
| 2025 | $998,900 Land $354,880 Building $644,020 | ||
| 2023 | $5,265.00 | $764,700 | $764,700 Land $286,530 Building $478,170 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 195 Armory Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| 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 risk around 195 Armory Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 83% of Montana |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 | CITY OF WHITEFISH serves 10,418 people · EPA ID MT0000357 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2023–2025) 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 169 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: MontanaSky Networks, T-Mobile, Vero Fiber.
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