Flathead County property record for 195 Kara Dr, Kalispell, MT 59901
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,909 sqft · built 2015 |
| Lot Size | 0.517 acres (22,521 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,838 (2026) |
| Deeds & Mortgages | Jul 2020 Line of Credit May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R618381 |
| Primary APN | R618381 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,909 sqft Living Area |
| 1st Floor Area | 1,790 sqft |
| 2nd Floor Area | 541 sqft |
| Attic | Attic |
| Attic Area | 578 sqft |
| Basement Area | 1,597 sqft |
| Unfinished Basement | 1,597 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,521 sqft (0.517 acres) |
| Garage Area | 1,050 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 695 sqft |
| Deck Area | 441 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000504620 |
|---|---|
| Street Address | 195 KARA DR |
| City | KALISPELL |
| State | MT |
| Zip | 59901-1458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIAMOND RIDGE EST NO 2, S12, T28 N, R22 W, LOT 11A, ASSR# 0000504620 |
| Legal Range | 22W |
| Legal Township | 28N |
| Legal Section | 12 |
| Legal Subdivision | DIAMOND RIDGE EST NO 2 |
| Legal Lot Number | 11A |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | KALISPELL |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 802 |
Source: Flathead County records, as of September 11, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 195 KARA DR, KALISPELL, MT 59901-1458 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 28, 2020 | Deed of Trust, Mortgage · Line of Credit WHITEFISH CU |
| May 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2012 |
| Deed Sale | Sep 26, 2012 |
| Deed Document Number | 201222309 |
| Prior Transfer Date | Feb 27, 2012 |
| Prior Transfer Doc | 0000005244 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 195 KARA DR, KALISPELL, MT 59901-1458 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202000021124 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 202000021124 |
| Name | WHITEFISH CU |
|---|---|
| Type | Credit Union |
| Address | WHITEFISH, MT 59937 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Aug 10, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 195 KARA DR, KALISPELL, MT 59901-1458 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 202100016339 |
|---|---|
| Date | May 11, 2021 |
| Instrument | 202100016339 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DES PLAINES, IL 60018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2036 |
Source: Flathead County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Flathead County |
| Municipality | Kalispell City |
| Secondary School District | Flathead High School District (09 - 12) |
| Elementary School District | Kalispell Elementary School District (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,838.00 (-11.06%) | $957,400 (+45.99%) | |
| 2025 | $957,400 (+45.99%) Land $139,290 Building $818,110 | ||
| 2023 | $6,564.00 | $655,800 | $655,800 Land $82,399 Building $573,401 |
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 |
|---|---|
| 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 | 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 98% of the US · lower than 99.5% of Montana |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 | 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 323 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 |
| Bullitt Communications Fixed Wireless | 100 / 50 |
| MontanaSky Networks Fixed Wireless | 100 / 20 |
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