228 Cottage Dr, Kalispell, MT 59901 Property Records

Flathead County property record for 228 Cottage Dr, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,422 sqft · built 2022
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$555,408 (May 2022)
Tax Bill	$8,139 (2026)
Deeds & Mortgages	May 2022 Mortgage May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R861478`

Property Details

APN / Parcel Number

Primary APN	`R861478`
Alternative APNs	`07-3965-02-4-17-20-0000` `0000508025`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,422 sqft Living Area
1st Floor Area	968 sqft
2nd Floor Area	1,454 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	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	33 sqft
Deck Area	254 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	0000508025
Street Address	228 COTTAGE DR
City	KALISPELL
State	MT
Zip	59901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COTTAGE GARDENS SUB, S02, T28 N, R22 W, LOT 20
Legal Range	22W
Legal Township	28N
Legal Section	02
Legal Subdivision	COTTAGE GARDENS SUB
Legal Lot Number	20
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	228 COTTAGE DR, KALISPELL, MT 59901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MANN MORTGAGE LLC
May 24, 2022	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Oct 22, 2021	Warranty Deed, Transfer FLATHEAD PREMIER TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2022 · Amount on Record
Deed Sale	May 24, 2022 · Amount on Record
Prior Sale	May 24, 2022
Deed Document Number	202213393
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	May 24, 2022
Property Address	228 COTTAGE DR, KALISPELL, MT 59901-9180
Document Number	202200013393
Instrument Date	May 20, 2022
Instrument	202200013393
Transaction Type	Subdivision Related 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	228 COTTAGE DR, KALISPELL, MT 59901-9180

Mortgage

Document Number	202200013394
Date	May 24, 2022
Instrument	202200013394

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company

Agreement

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

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	May 24, 2022
Property Address	228 COTTAGE DR, KALISPELL, MT 59901-9180
Document Number	202200013385
Instrument Date	May 20, 2022
Instrument	202200013385
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
Address	142 2ND ST W, KALISPELL, MT 59901-4410
Investor	Possibly a Property Investor

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Oct 22, 2021
Property Address	228 COTTAGE DR, KALISPELL, MT 59901-9180
Document Number	202100037308
Instrument Date	Oct 20, 2021
Instrument	202100037308
Transaction Type	Transfer
Record Updated	Aug 14, 2023
Title Company	FLATHEAD PREMIER TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5704 BALTIMORE DR UNIT 327, 327, LA MESA, CA 91942-1658

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	$8,139.00 (+65.46%)	$689,700 (+28.36%)
2025			$689,700 (+28.36%) Land $107,921 Building $581,779
2023	$4,919.00	$537,300	$537,300 Land $63,413 Building $473,887

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.

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