Flathead County property record for 245 Bear Trl, Whitefish, MT 59937
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,834 sqft · built 1983 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,385 (2026) |
| Deeds & Mortgages | Apr 2024 Mortgage Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R0754001 |
| Primary APN | R0754001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,834 sqft Living Area |
| 1st Floor Area | 1,025 sqft |
| 2nd Floor Area | 809 sqft |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Metal |
| Lot Area | 22,651 sqft (0.52 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 200 sqft |
| Deck Area | 524 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 0000090581 |
|---|---|
| Street Address | 245 BEAR TRL |
| City | WHITEFISH |
| State | MT |
| Zip | 59937-8427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Description | HAPPY VALLEY HOME SITES, S25, T30 N, R22 W, LOT 239 |
| Legal Range | 22W |
| Legal Township | 30N |
| Legal Section | 25 |
| Legal Subdivision | HAPPY VALLEY HOME SITES |
| Legal Lot Number | 239 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | WHITEFISH |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 403 |
Source: Flathead County records, as of September 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 245 BEAR TRL, WHITEFISH, MT 59937-8427 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2005 |
| Deed Sale | Sep 30, 2005 |
| Deed Document Number | 200527316350 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 245 BEAR TRL, WHITEFISH, MT 59937-8427 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2024 |
| Name | Verified Name |
|---|
| Document Number | 202400007155 |
|---|---|
| Date | Apr 30, 2024 |
| Instrument | 202400007155 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 245 BEAR TRL, WHITEFISH, MT 59937-8427 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2022 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 202100043470 |
|---|---|
| Date | Dec 21, 2021 |
| Instrument | 202100043470 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2037 |
Source: Flathead County assessment roll, as of September 11, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,385.00 (-41.9%) | $522,700 (+34.86%) | |
| 2025 | $522,700 (+34.86%) Land $114,711 Building $407,989 | ||
| 2023 | $2,384.00 | $387,600 | $387,600 Land $84,700 Building $302,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 79% of Montana |
|---|---|
| Wildfire Likelihood | 0.07% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HAPPY VALLEY WATER DIST B KSPL serves 207 people · EPA ID MT0001984 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 135 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| MontanaSky Networks Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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