203 Ridgewater Dr, Polson, MT 59860 Property Records

Lake County property record for 203 Ridgewater Dr, Polson, MT 59860

Property Summary

Property Type	Medical Building
Details	2,936 sqft · built 2019
Lot Size	0.94 acres (40,946 sqft)
Owner	Company Name on File
Last Sale	$406,300 (Apr 2019)
Tax Bill	$19,762 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit Nov 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R812704`

Property Details

APN / Parcel Number

Primary APN	`R812704`
Alternative APNs	`15-3228-11-3-01-30-0000` `0000024193`

Interior

Stories	1 Story
Building Area	2,936 sqft Total Area
1st Floor Area	2,936 sqft
Basement Area	1,440 sqft
Unfinished Basement	1,440 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	40,946 sqft (0.94 acres)
Porch	Slab
Porch Area	100 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000024193
Street Address	203 RIDGEWATER DR
City	POLSON
State	MT
Zip	59860-8992
Property Category	Commercial
Property Type	Commercial > Office > Medical Building
Legal Description	RIDGEWATER PH 5 COMMERCIAL, S11, T22 N, R20 W, LOT 11C, ACRES 0.94
Legal Range	20W
Legal Township	22N
Legal Section	11
Legal Subdivision	RIDGEWATER PH 5 COMMERCIAL
Legal Lot Number	11C
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	3
Census Block	3033
Census Tract	940305

Owner

203 Ridgewater Dr, a commercial property, is owned by a company that bought it in April 2019.

Source: Lake County records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	203 RIDGEWATER DR, A, POLSON, MT 59860-8992
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2021	Deed of Trust, Mortgage · Line of Credit VALLEY BANK OF RONAN
Nov 10, 2021	Deed of Trust, Mortgage · Line of Credit VALLEY BANK OF RONAN
Jan 22, 2020	Deed of Trust, Mortgage · Construction Mortgage LAKE COUNTY COMMUNITY DEVELOPMENT CORP
Jun 24, 2019	Deed of Trust, Mortgage · Commercial Mortgage VALLEY BANK OF RONAN
Apr 12, 2019	Warranty Deed, Transfer · Commercial Mortgage VALLEY BANK OF RONAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2019 · Amount on File
Deed Sale	Apr 12, 2019 · Amount on File
Deed Document Number	2019568624
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	203 RIDGEWATER DR, POLSON, MT 59860-8992
Transaction Type	Mortgage
Record Updated	Nov 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	593697
Date	Nov 10, 2021
Instrument	593697

Lender

Name	VALLEY BANK OF RONAN
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Line of Credit
Amount	Amount on Record

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	203 RIDGEWATER DR, POLSON, MT 59860-8992
Transaction Type	Mortgage
Record Updated	Nov 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	593696
Date	Nov 10, 2021
Instrument	593696

Lender

Name	VALLEY BANK OF RONAN
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Line of Credit
Amount	Amount on Record

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	203 RIDGEWATER DR, POLSON, MT 59860-8992
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	574880
Date	Jan 22, 2020
Instrument	574880

Lender

Name	LAKE COUNTY COMMUNITY DEVELOPMENT CORP
Type	Non-Lending Institution
Address	RONAN, MT 59864

Agreement

Type	Construction Mortgage
Amount	Amount on Record

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	203 RIDGEWATER DR, POLSON, MT 59860-8992
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	569849
Date	Jun 24, 2019
Instrument	569849

Lender

Name	VALLEY BANK OF RONAN
Type	Bank
Address	RONAN, MT 59864

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Apr 12, 2019
Property Address	203 RIDGEWATER DR, POLSON, MT 59860-8992
Document Number	568624
Instrument Date	Apr 12, 2019
Instrument	568624
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	805 7TH ST E # EB, 805, POLSON, MT 59860-3105

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 6TH AVE E, POLSON, MT 59860-2726

Mortgage

Document Number	568625
Date	Apr 12, 2019
Instrument	568625

Lender

Name	VALLEY BANK OF RONAN
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 203 Ridgewater Dr was $19,762, down 28.5% from the year before.

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	$19,762.00 (-28.51%)	$2,599,800 (-)
2025	$27,642.00	$2,599,800	$2,599,800 Land $321,546 Building $2,278,254
2023	$25,191.00	$2,359,200	$2,359,200 Land $288,228 Building $2,070,972

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

Flood

FEMA maps place 203 Ridgewater Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 203 Ridgewater Dr is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Western Montana CommunityTel Fiber	100 / 100

May also be available: Spectrum, Verizon.

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