207 Cottage Dr, Kalispell, MT 59901 Property Records

Flathead County property record for 207 Cottage Dr, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,274 sqft · built 2022
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,379 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R861488`

Property Details

APN / Parcel Number

Primary APN	`R861488`
Alternative APNs	`07-3965-02-4-17-30-0000` `0000508035`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,274 sqft Living Area
1st Floor Area	1,170 sqft
2nd Floor Area	1,104 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft
Deck Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	0000508035
Street Address	207 COTTAGE DR
City	KALISPELL
State	MT
Zip	59901-9181
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COTTAGE GARDENS SUB, S02, T28 N, R22 W, LOT 30
Legal Range	22W
Legal Township	28N
Legal Section	02
Legal Subdivision	COTTAGE GARDENS SUB
Legal Lot Number	30
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	1
Census Block	1032
Census Tract	802

Owner

207 Cottage Dr is owned and occupied by two individuals who acquired it in April 2023.

Source: Flathead County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	207 COTTAGE DR, KALISPELL, MT 59901-9181
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · Non-Conforming Investor Loan OPEN BANK
Apr 12, 2023	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Mar 31, 2021	Warranty Deed, Transfer FIRST TITLE COMPANY, FIRST TITLE OF MONTANA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2023
Deed Sale	Apr 12, 2023
Prior Sale	Feb 22, 2023
Deed Document Number	20235385
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	207 COTTAGE DR, KALISPELL, MT 59901-9181
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 COTTAGE DR, KALISPELL, MT 59901-9181

Mortgage

Document Number	202500023183
Date	Oct 24, 2025
Instrument	202500023183

Lender

Name	OPEN BANK
Type	Bank
Address	LOS ANGELES, CA 90017

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Apr 12, 2023
Property Address	207 COTTAGE DR, KALISPELL, MT 59901-9181
Document Number	202300005385
Instrument Date	Apr 11, 2023
Instrument	202300005385
Transaction Type	Transfer
Record Updated	Aug 14, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	207 COTTAGE DR, KALISPELL, MT 59901-9181

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Mar 31, 2021
Property Address	207 COTTAGE DR, KALISPELL, MT 59901-9181
Document Number	202100011182
Instrument Date	Mar 31, 2021
Instrument	202100011182
Transaction Type	Transfer
Record Updated	Aug 14, 2023
Title Company	FIRST TITLE COMPANY, FIRST TITLE OF MONTANA

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3225 FARM TO MARKET RD, KALISPELL, MT 59901-9173
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 207 Cottage Dr was $3,379, down 3.8% from the year before.

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,379.00 (-3.84%)	$663,400 (-)
2025	$3,514.00	$663,400	$663,400 Land $108,086 Building $555,314
2023	$2,970.00	$324,483	$324,483 Land $63,513 Building $260,970

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

Flood

FEMA maps place 207 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

Wildfire risk around 207 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	Direct burnable vegetation

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	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

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 266 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

May also be available: InterBel Telephone Cooperative.

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