195 Whisper Ridge Dr, Bigfork, MT 59911 Property Records

Flathead County property record for 195 Whisper Ridge Dr, Bigfork, MT 59911

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,766 sqft · built 2017
Lot Size	0.078 acres (3,398 sqft)
Owner	Company Name on Record
Last Sale	$534,100 (Aug 2017)
Tax Bill	$2,445 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R623860`

Property Details

APN / Parcel Number

Primary APN	`R623860`
Alternative APNs	`07-3835-36-4-22-10-0000` `0000505131`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,766 sqft Living Area
1st Floor Area	840 sqft
2nd Floor Area	926 sqft
Basement Area	840 sqft
Finished Basement	840 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Modern
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Metal
Lot Area	3,398 sqft (0.078 acres)
View / Lot	Waterfront / Beach
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	84 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000505131
Street Address	195 WHISPER RIDGE DR
City	BIGFORK
State	MT
Zip	59911-3777
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPER RIDGE, S36, T27 N, R20 W, LOT 33A, ACRES 0.078, ASSR#0000505131
Legal Range	20W
Legal Township	27N
Legal Section	36
Legal Subdivision	WHISPER RIDGE
Legal Lot Number	33A
Jurisdiction	FLATHEAD MT
Township / Civil Division	CRESTON-BIGFORK
Census Block Group	2
Census Block	2003
Census Tract	1304

Owner

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	Company Name on Record
Mailing Address	195 WHISPER RIDGE DR, BIGFORK, MT 59911-3777
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Jul 23, 2019	Deed of Trust, Mortgage · ARM RAYMOND JAMES BANK NA
Dec 21, 2020	Intrafamily Transfer, Transfer INSURED TITLES
Nov 4, 2020	Intrafamily Transfer, Transfer INSURED TITLE, INSURED TITLES
Aug 31, 2017	Corporation Deed, Subdivision Related Transfer · Line of Credit STOCKMAN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2017 · Amount on Record
Deed Sale	Aug 31, 2017 · Amount on Record
Prior Sale	Feb 27, 2009
Deed Document Number	201721522
Last Transfer Date	Nov 20, 2020
Transfer Doc	0000042998
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	195 WHISPER RIDGE DR, BIGFORK, MT 59911-3777
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000039852
Date	Nov 25, 2020
Instrument	202000039852

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	195 WHISPER RIDGE DR, BIGFORK, MT 59911-3777
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900015084
Date	Jul 23, 2019
Instrument	201900015084

Lender

Name	RAYMOND JAMES BANK NA
Type	Bank
Address	SAINT PETERSBURG, FL 33716

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2034
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	8.87%

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Dec 21, 2020
Property Address	195 WHISPER RIDGE DR, BIGFORK, MT 59911-3777
Document Number	202000042998
Instrument Date	Nov 20, 2020
Instrument	202000042998
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	INSURED TITLES

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	195 WHISPER RIDGE DR, BIGFORK, MT 59911-3777

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Nov 4, 2020
Property Address	195 WHISPER RIDGE DR, BIGFORK, MT 59911-3777
Document Number	202000037333
Instrument Date	Oct 25, 2020
Instrument	202000037333
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	INSURED TITLE, INSURED TITLES

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	195 WHISPER RIDGE DR, BIGFORK, MT 59911-3777

August 2017: Corporation Deed, Subdivision Related Transfer

Document Type	Corporation Deed
Jurisdiction	FLATHEAD MT
Recording Date	Aug 31, 2017
Property Address	195 WHISPER RIDGE DR, BIGFORK, MT 59911-3777
Document Number	201700021522
Instrument Date	Aug 30, 2017
Instrument	201700021522
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	590 SNOW CREEK CYN, PALM DESERT, CA 92211-8990

Mortgage

Document Number	201700021523
Date	Aug 31, 2017
Instrument	201700021523

Lender

Name	STOCKMAN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	13 Months
Due	Sep 10, 2018

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Flathead County assessment roll, as of September 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,445.00 (-13.39%)	$743,100 (-)
2025	$2,823.00 (-40.94%)	$743,100 (+16.11%)	$743,100 (+16.11%) Land $88,874 Building $654,226
2023	$4,780.00	$640,000	$640,000 Land $77,898 Building $562,102

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 16, 2022

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 88% of Montana
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BIGFORK COUNTY WATER AND SEWER serves 6,100 people · EPA ID MT0000262
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 205 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

May also be available: Western Montana CommunityTel.

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