218 Terrace Rd, Kalispell, MT 59901 Property Records

Flathead County property record for 218 Terrace Rd, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,404 sqft · built 2015
Lot Size	5.38 acres (234,353 sqft)
Owner	2 Individual Names on File
Last Sale	$218,400 (Oct 2013)
Tax Bill	$9,555 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0776529`

Property Details

APN / Parcel Number

Primary APN	`R0776529`
Alternative APNs	`07-3965-25-2-01-11-0000` `0000625266`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,404 sqft Living Area
1st Floor Area	3,340 sqft
2nd Floor Area	1,064 sqft
Basement Area	3,340 sqft
Finished Basement	3,340 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	234,353 sqft (5.38 acres)
Garage Type	Mixed
Garage Area	2,600 sqft
Parking Spaces	10 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,000 sqft
Deck Area	784 sqft
Shed	1 Shed
Shed Area	96 sqft
Lean-To	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	0000625266
Street Address	218 TERRACE RD
City	KALISPELL
State	MT
Zip	59901-7432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LONE PINE RANCHES 1 AMD, S25, T28 N, R22 W, LOT 005
Legal Range	22W
Legal Township	28N
Legal Section	25
Legal Subdivision	LONE PINE RANCHES 1 AMD
Legal Lot Number	5
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	4
Census Block	4015
Census Tract	802

Owner

218 Terrace Rd is owned and occupied by two individuals who bought it in October 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	218 TERRACE RD, KALISPELL, MT 59901-7432
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
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Oct 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Aug 14, 2018	Deed of Trust, Mortgage · Commercial Mortgage VALLEY BANK OF KALISPELL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2013 · Amount on File
Deed Sale	Oct 29, 2013 · Amount on File
Deed Document Number	201327831
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	218 TERRACE RD, KALISPELL, MT 59901-7432
Transaction Type	Mortgage
Record Updated	Feb 25, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200003930
Date	Feb 14, 2022
Instrument	202200003930

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CORTE MADERA, CA 94925

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	218 TERRACE RD, KALISPELL, MT 59901-7432
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900026199
Date	Oct 15, 2019
Instrument	201900026199

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	218 TERRACE RD, KALISPELL, MT 59901-7432
Transaction Type	Mortgage
Record Updated	Aug 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800018929
Date	Aug 14, 2018
Instrument	201800018929

Lender

Name	VALLEY BANK OF KALISPELL
Type	Bank
Address	KALISPELL, MT 59903

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 25, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 218 Terrace Rd was $9,555.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,555.00	$1,766,600
2025			$1,766,600 Land $400,754 Building $1,365,846
2023	$9,637.00	$1,145,800	$1,145,800 Land $231,402 Building $914,398

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

Flood

FEMA maps place 218 Terrace Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 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 218 Terrace Rd is moderate, ranking above 53% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 70% of Montana
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 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: AT&T.

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