2311 Merganser Dr, Kalispell, MT 59901 Property Records

Flathead County property record for 2311 Merganser Dr, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,376 sqft · built 2003
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,825 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0744215`

Property Details

APN / Parcel Number

Primary APN	`R0744215`
Alternative APNs	`07-3966-19-4-17-01-0000` `0000005678`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,376 sqft Living Area
1st Floor Area	1,376 sqft
Family Room	Family Room

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	114 sqft
Deck Area	96 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000005678
Street Address	2311 MERGANSER DR
City	KALISPELL
State	MT
Zip	59901-8968
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASHLEY PARK PH 4, S19, T28 N, R21 W, LOT 033
Legal Range	21W
Legal Township	28N
Legal Section	19
Legal Subdivision	ASHLEY PARK PH 4
Legal Lot Number	33
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	2
Census Block	2021
Census Tract	1201

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	2311 MERGANSER DR, KALISPELL, MT 59901-8968
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Line of Credit WHITEFISH CREDIT UNION
Mar 21, 2018	Deed of Trust, Mortgage · ARM WHITEFISH CU

Assessor's Deed Record

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

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Recording Date	Jun 29, 2026
Property Address	2311 MERGANSER DR, KALISPELL, MT 59901-8968
Document Number	0000013163
Instrument Date	Jun 24, 2026
Instrument	202613163
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2311 MERGANSER DR, KALISPELL, MT 59901-8968

Mortgage

Document Number	0000013163,
Date	Jun 29, 2026
Instrument	202613163

Lender

Name	WHITEFISH CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 3, 2036

Interest

Rate Type	Balloon
Rate	6.53%
Initial Type	Balloon
Max Rate	-1%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	2311 MERGANSER DR, KALISPELL, MT 59901-8968
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALLIANCE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800005510
Date	Mar 21, 2018
Instrument	201800005510

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 5, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.02%
Type Change Date	Apr 5, 2025
Change Frequency	Annually
Min Rate At Change	4.02%
Max Rate At Change	6.02%
Index	Other
Max Rate	9.02%

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	Kalispell Elementary School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,825.00 (-39.71%) Homeowner's exemption	$463,200 (+15.31%)
2025			$463,200 (+15.31%) Land $91,657 Building $371,543
2023	$3,027.00	$401,700	$401,700 Land $65,605 Building $336,095

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
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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 403 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Glacier Broadband Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Bullitt Communications Fixed Wireless	100 / 50

May also be available: CenturyLink.

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