Flathead County property record for 197 Cottage Dr, Kalispell, MT 59901
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,028 sqft · built 2021 |
| Lot Size | 0.147 acres (6,403 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $404,000 (Apr 2021) |
| Tax Bill | $3,186 (2026) |
| Deeds & Mortgages | Dec 2021 Mortgage Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R861485 |
| Primary APN | R861485 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,028 sqft Living Area |
| 1st Floor Area | 2,028 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,403 sqft (0.147 acres) |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 0000508032 |
|---|---|
| Street Address | 197 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 27 |
| Legal Range | 22W |
| Legal Township | 28N |
| Legal Section | 02 |
| Legal Subdivision | COTTAGE GARDENS SUB |
| Legal Lot Number | 27 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | KALISPELL |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 802 |
197 Cottage Dr is owned and occupied by two individuals who bought it in April 2021.
Source: Flathead County records, as of September 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 197 COTTAGE DR, KALISPELL, MT 59901-9182 |
| 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.
| Date | Document |
|---|---|
| Dec 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE |
| Mar 22, 2022 | Deed of Trust, Mortgage · FHA Mortgage WHITEFISH CU |
| Apr 12, 2021 | Warranty Deed, Construction Loan · Construction Mortgage MANN MORTGAGE LLC |
| Apr 12, 2021 | Transfer on Death Deed, Transfer INSURED TITLE, INSURED TITLES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2021 · Amount on File |
| Deed Sale | Apr 12, 2021 · Amount on File |
| Deed Document Number | 202112582 |
| Prior Transfer Date | Apr 9, 2021 |
| Prior Transfer Doc | 0000012581 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 197 COTTAGE DR, KALISPELL, MT 59901-9182 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Title Company | FLATHEAD PREMIER TITLE |
| Name | Verified Name |
|---|
| Document Number | 202100044206 |
|---|---|
| Date | Dec 29, 2021 |
| Instrument | 202100044206 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DES PLAINES, IL 60018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 197 COTTAGE DR, KALISPELL, MT 59901-9182 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Title Company | NOT AVAILABLE, ATEC |
| Name | Verified Name |
|---|
| Document Number | 202200007454 |
|---|---|
| Date | Mar 22, 2022 |
| Instrument | 202200007454 |
| Name | WHITEFISH CU |
|---|---|
| Type | Credit Union |
| Address | 65397 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Apr 12, 2021 |
| Property Address | 197 COTTAGE DR, KALISPELL, MT 59901-9182 |
| Document Number | 202100012582 |
| Instrument Date | Apr 9, 2021 |
| Instrument | 202100012582 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 14, 2023 |
| Title Company | INSURED TITLE, INSURED TITLES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 29929 MT HIGHWAY 209, BIGFORK, MT 59911-5915 |
| Investor | Possibly a Property Investor |
| Document Number | 202100012583 |
|---|---|
| Date | Apr 12, 2021 |
| Instrument | 202100012583 |
| Name | MANN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | May 1, 2052 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Apr 12, 2021 |
| Property Address | 197 COTTAGE DR, KALISPELL, MT 59901-9182 |
| Document Number | 202100012581 |
| Instrument Date | Apr 9, 2021 |
| Instrument | 202100012581 |
| 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 | 7 MERIDIAN CT, KALISPELL, MT 59901-4207 |
The 2026 property tax bill for 197 Cottage Dr was $3,186.
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 | West Valley Elementary School District (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,186.00 | $625,600 | |
| 2025 | $625,600 Land $108,666 Building $516,934 | ||
| 2023 | $4,230.00 | $462,000 | $462,000 Land $63,863 Building $398,137 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 197 Cottage Dr 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 | 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.
Wildfire risk around 197 Cottage Dr is low, with a 0.02% annual chance of wildfire.
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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