198 Claffey Dr, Polson, MT 59860 Property Records

Lake County property record for 198 Claffey Dr, Polson, MT 59860

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,779 sqft · built 1993
Lot Size	0.872 acres (37,984 sqft)
Owner	2 Individual Names on Record
Last Sale	$851,200 (Sep 2025)
Tax Bill	$2,871 (2026)
Deeds & Mortgages	Sep 2025 Mortgage May 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R154923`

Property Details

APN / Parcel Number

Primary APN	`R154923`
Alternative APNs	`15-3228-10-3-16-05-0000` `0000003617`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,779 sqft Living Area
1st Floor Area	1,529 sqft
Attic	Attic
Attic Area	250 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,984 sqft (0.872 acres)
View / Lot	Waterfront / Beach
Garage Area	1,220 sqft
Parking Spaces	5 Parking Spaces
Deck Area	347 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000003617
Street Address	198 CLAFFEY DR
City	POLSON
State	MT
Zip	59860-4103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2
Legal Description	SKYLINE ADD, S10, T22 N, R20 W, LOT TRACT B, 38005 SQUARE FEET, AMD PLAT OF LOTS 16, 17, & 18
Legal Range	20W
Legal Township	22N
Legal Section	10
Legal Subdivision	SKYLINE ADD
Legal Tract	B
Legal Lot Number	16-18
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	3
Census Block	3033
Census Tract	940305

Owner

Source: Lake County records, as of October 20, 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	198 CLAFFEY DR, POLSON, MT 59860-4103
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
May 28, 2021	Warranty Deed, Transfer
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CU
Nov 24, 2020	Deed of Trust, Mortgage · Line of Credit WHITEFISH CU
Sep 22, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage MISSOULA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2025 · Amount on Record
Deed Sale	Sep 8, 2025 · Amount on Record
Prior Sale	May 28, 2021
Deed Document Number	2025634215
Prior Transfer Date	Sep 21, 2017
Prior Transfer Doc	558186
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	198 CLAFFEY DR, POLSON, MT 59860-4103
Transaction Type	Mortgage
Record Updated	Sep 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	878 MITKOF HWY, PETERSBURG, AK 99833-0440

Mortgage

Document Number	0000634216
Date	Sep 8, 2025
Instrument	634216

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	May 28, 2021
Property Address	198 CLAFFEY DR, POLSON, MT 59860-4103
Document Number	0000588871
Instrument Date	May 27, 2021
Instrument	588871
Transaction Type	Transfer
Record Updated	Aug 10, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	198 CLAFFEY DR, POLSON, MT 59860-4103

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	198 RUBY LN, BELGRADE, MT 59714-9641

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	198 CLAFFEY DR, POLSON, MT 59860-4103
Transaction Type	Mortgage
Record Updated	Feb 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	584986
Date	Jan 22, 2021
Instrument	584986

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.27%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	3.27%
Max Rate At Change	5.27%
Index	5-Year CMT
Max Rate	8.27%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	198 CLAFFEY DR, POLSON, MT 59860-4103
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	583250
Date	Nov 24, 2020
Instrument	583250

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 5, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE MT
Recording Date	Sep 22, 2017
Property Address	198 CLAFFEY DR, POLSON, MT 59860-4103
Document Number	558186
Instrument Date	Sep 21, 2017
Instrument	558186
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17 GRIZZLY WAY, 17, KALISPELL, MT 59901-6872

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	198 CLAFFCY DR, POLSON, MT 59860-4103

Mortgage

Document Number	558188
Date	Sep 22, 2017
Instrument	558188

Lender

Name	MISSOULA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Montana
County	Lake County
Municipality	Polson City
Elementary School District	Polson Elementary School District (PK - 08)
Secondary School District	Polson High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,871.00 (+29.5%)	$679,600 (-)
2025	$2,217.00 (-31.57%) Homeowner's exemption	$679,600 (+19.99%)	$679,600 (+19.99%) Land $127,308 Building $552,292
2023	$3,240.00	$566,400	$566,400 Land $84,605 Building $481,795

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
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 97% of the US · lower than 99.3% of Montana
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF POLSON serves 5,300 people · EPA ID MT0000308
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Western Montana CommunityTel.

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