225 Bear Trl, Whitefish, MT 59937 Property Records

Flathead County property record for 225 Bear Trl, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,351 sqft · built 1981
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,003 (2026)
Deeds & Mortgages	Nov 2023 Second Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0756675`

Property Details

APN / Parcel Number

Primary APN	`R0756675`
Alternative APNs	`07-4184-25-1-13-25-0000` `0000162851`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,351 sqft Living Area
1st Floor Area	1,351 sqft
Basement Area	1,296 sqft
Finished Basement	1,296 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,344 sqft (0.49 acres)
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	408 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000162851
Street Address	225 BEAR TRL
City	WHITEFISH
State	MT
Zip	59937-8427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAPPY VALLEY HOME SITES, S25, T30 N, R22 W, LOT 234
Legal Range	22W
Legal Township	30N
Legal Section	25
Legal Subdivision	HAPPY VALLEY HOME SITES
Legal Lot Number	234
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	2
Census Block	2005
Census Tract	403

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	225 BEAR TRL, WHITEFISH, MT 59937-8427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	225 BEAR TRL, WHITEFISH, MT 59937-8427
Transaction Type	Mortgage
Record Updated	Nov 29, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300020406
Date	Nov 16, 2023
Instrument	202300020406

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	225 BEAR TRL, WHITEFISH, MT 59937-8427
Transaction Type	Mortgage
Record Updated	Apr 7, 2021
Title Company	INSURED TITLE, INSURED TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100009373
Date	Mar 19, 2021
Instrument	202100009373

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	225 BEAR TRL, WHITEFISH, MT 59937-8427
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	ALLIANCE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000022782
Date	Aug 10, 2020
Instrument	202000022782

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,003.00 (-31.82%)	$728,600 (+52.59%)
2025			$728,600 (+52.59%) Land $112,882 Building $615,718
2023	$2,938.00	$477,500	$477,500 Land $81,890 Building $395,610

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

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

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

Wildfire Risk	Moderate above 45% of the US · lower than 78% of Montana
Wildfire Likelihood	0.08% 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	FLATHEAD CO WATER DISTRICT NO 8 private · serves 475 people · EPA ID MT0000261
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2023–2025) 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 107 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
MontanaSky Networks Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Blackfoot Telephone Cooperative, Vero Fiber.

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