224 Cottage Dr, Kalispell, MT 59901 Property Records

Flathead County property record for 224 Cottage Dr, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,468 sqft · built 2022
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$529,570 (Sep 2025)
Tax Bill	$2,720 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2024 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R861479`

Property Details

APN / Parcel Number

Primary APN	`R861479`
Alternative APNs	`07-3965-02-4-17-21-0000` `0000508026`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,468 sqft Living Area
1st Floor Area	1,468 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	6,011 sqft (0.138 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	42 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	0000508026
Street Address	224 COTTAGE DR
City	KALISPELL
State	MT
Zip	59901-9180
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COTTAGE GARDENS SUB, S02, T28 N, R22 W, LOT 21
Legal Range	22W
Legal Township	28N
Legal Section	02
Legal Subdivision	COTTAGE GARDENS SUB
Legal Lot Number	21
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	1
Census Block	1032
Census Tract	802

Owner

Source: Flathead County records, as of September 11, 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	224 COTTAGE DR, KALISPELL, MT 59901-9180
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2025	Warranty Deed, Transfer · FHA Mortgage CALCON MUTUAL MORTGAGE LLC
Apr 16, 2024	Warranty Deed, Transfer
Apr 16, 2024	Warranty Deed, Transfer
Aug 15, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SOFI BANK NA
Aug 15, 2022	Special Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Feb 25, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2025 · Amount on Record
Deed Sale	Sep 3, 2025 · Amount on Record
Prior Sale	Apr 16, 2024
Deed Document Number	202519041
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Sep 3, 2025
Property Address	224 COTTAGE DR, KALISPELL, MT 59901-9180
Document Number	202500019041
Instrument Date	Sep 2, 2025
Instrument	202500019041
Transaction Type	Transfer
Record Updated	Sep 30, 2025
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	224 COTTAGE DR, KALISPELL, MT 59901-9180

Mortgage

Document Number	202500019042
Date	Sep 3, 2025
Instrument	202500019042

Lender

Name	CALCON MUTUAL MORTGAGE LLC
Type	Mortgage Company

Agreement

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

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Apr 16, 2024
Property Address	224 COTTAGE DR, KALISPELL, MT 59901-9180
Document Number	202400006255
Instrument Date	Apr 15, 2024
Instrument	202400006255
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2315 MCDONALD AVE STE 200, 200, MISSOULA, MT 59801-7344

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2315 MCDONALD AVE STE 200, 200, MISSOULA, MT 59801-7344

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Apr 16, 2024
Property Address	224 COTTAGE DR, KALISPELL, MT 59901-9180
Document Number	202400006254
Instrument Date	Apr 15, 2024
Instrument	202400006254
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2315 MCDONALD AVE STE 200, 200, MISSOULA, MT 59801-7344

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2315 MCDONALD AVE STE 200, 200, MISSOULA, MT 59801-7344

August 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Aug 15, 2022
Property Address	224 COTTAGE DR, KALISPELL, MT 59901-9180
Document Number	202200021505
Instrument Date	Aug 11, 2022
Instrument	202200021505
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 30, 2025
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	224 COTTAGE DR, KALISPELL, MT 59901-9180

Mortgage

Document Number	202200021506
Date	Aug 15, 2022
Instrument	202200021506

Lender

Name	SOFI BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

August 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Aug 15, 2022
Property Address	224 COTTAGE DR, KALISPELL, MT 59901-9180
Document Number	202200021442
Instrument Date	Aug 9, 2022
Instrument	202200021442
Transaction Type	Transfer
Record Updated	Sep 30, 2025
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
Address	142 2ND ST W, KALISPELL, MT 59901-4410

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Feb 25, 2022
Property Address	224 COTTAGE DR, KALISPELL, MT 59901-9180
Document Number	202200005091
Instrument Date	Feb 22, 2022
Instrument	202200005091
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 CELLINI CT, LAKE OSWEGO, OR 97035-1510

Tax Assessment & Valuation

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	$2,720.00 (-1.81%)	$547,600 (-)
2025	$2,770.00 (-28.26%)	$547,600 (+29.86%)	$547,600 (+29.86%) Land $107,921 Building $439,679
2023	$3,861.00	$421,700	$421,700 Land $63,413 Building $358,287

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 · 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

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.

Nearby Properties on Cottage Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures