224 Central Ave, Whitefish, MT 59937 Property Records

Flathead County property record for 224 Central Ave, Whitefish, MT 59937

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	6,470 sqft · built 1966
Lot Size	0.148 acres (6,447 sqft)
Owner	Company Name on File
Tax Bill	$14,856 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R0776304`

Property Details

APN / Parcel Number

Primary APN	`R0776304`
Alternative APNs	`07-4292-36-1-39-09-0000` `0000618450`

Interior

Units	2 Units
Stories	1 Story
Building Area	6,470 sqft Total Area
1st Floor Area	6,470 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	6,447 sqft (0.148 acres)
View / Lot	Major Street/Thoroughfare
Canopy	530 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000618450
Street Address	224 CENTRAL AVE
City	WHITEFISH
State	MT
Zip	59937-2662
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	6
Legal Description	WFSH, S36, T31 N, R22 W, BLOCK 045, LOT 007, 8-S 24 1/2 FT 7
Legal Range	22W
Legal Township	31N
Legal Section	36
Legal Subdivision	WFSH
Legal Block	45
Legal Lot Number	7,24
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	3
Census Block	3035
Census Tract	402

Owner

Source: Flathead County records · APN R0776304

Assessment roll updated September 3, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	6490 US HIGHWAY 93 S, WHITEFISH, MT 59937-8237
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST INTERSTATE BANK
Oct 24, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST INTERSTATE BANK
Apr 16, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST INTERSTATE BANK
Jul 24, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST INTERSTATE BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	224 CENTRAL AVE, WHITEFISH, MT 59937-2662
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800020787
Date	Aug 30, 2018
Instrument	201800020787

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	WHITEFISH, MT 59937

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Aug 31, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	224 CENTRAL AVE, WHITEFISH, MT 59937-2662
Transaction Type	Mortgage
Record Updated	Nov 06, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900027349
Date	Oct 24, 2019
Instrument	201900027349

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	WHITEFISH, MT 59937

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 21, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	224 CENTRAL AVE, WHITEFISH, MT 59937-2662
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800007241
Date	Apr 16, 2018
Instrument	201800007241

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Mar 01, 2019

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	224 CENTRAL AVE, WHITEFISH, MT 59937-2662
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800015265
Date	Jul 24, 2018
Instrument	201800015265

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	WHITEFISH, MT 59937

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	96 Months
Due	Jul 01, 2026

Tax Assessment & Valuation

Source: Flathead County records · Assessment roll updated September 3, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,856.00 (-9.25%)	$2,170,100 (+27.47%)	$2,170,100 (+27.47%) Land $845,147 Building $1,324,953
2023	$16,370.00	$1,702,500	$1,702,500 Land $632,091 Building $1,070,409

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Flathead County (30029C), as of November 16, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Montana
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, VFN Holdings.

Based on FCC filings for 304 locations within half a mile of this property.

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