25421 Three Moon Dr, Elmo, MT 59915 Property Records

Lake County property record for 25421 Three Moon Dr, Elmo, MT 59915

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,200 sqft · built 2022
Lot Size	5.03 acres (219,412 sqft)
Owner	Individual Name on Record
Last Sale	$553,280 (Oct 2026)
Tax Bill	$4,152 (2026)
Deeds & Mortgages	Oct 2026 Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R1524032`

Property Details

APN / Parcel Number

Primary APN	`R1524032`
Alternative APNs	`15-3466-13-3-01-08-0000` `0000031647`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	280 sqft
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	219,412 sqft (5.03 acres)
Terrain	Rolling
View / Lot	Waterfront / Beach
Garage Area	624 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	0000031647
Street Address	25421 THREE MOON DR
City	ELMO
State	MT
Zip	59915
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S13, T24 N, R22 W, C.O.S. 5913, PARCEL TR 208, ACRES 5.037
Legal Range	22W
Legal Township	24N
Legal Section	13
Legal Subdivision	CERTIFICATE OF SURVEY N O 5913
Legal Tract	208
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	2
Census Block	2158
Census Tract	940306

Owner

Source: Lake County records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	231 OAKWOOD RD, DUNDALK, MD 21222-2320
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2026	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Apr 27, 2021	Warranty Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2026 · Amount on Record
Deed Sale	Oct 13, 2026 · Amount on Record
Prior Sale	Apr 27, 2021
Deed Document Number	2026642112
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Oct 13, 2026
Property Address	25421 THREE MOON DR, ELMO, MT 59915
Document Number	0000642112
Instrument Date	Oct 8, 2026
Instrument	2026642112
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 OAKWOOD RD, DUNDALK, MD 21222-2320

Mortgage

Document Number	0000642113,
Date	Oct 13, 2026
Instrument	2026642113

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	25421 THREE MOON DR, ELMO, MT 59915-7736
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000599726
Date	Jul 27, 2022
Instrument	599726

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	FLORENCE, MT 59833

Agreement

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

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Apr 27, 2021
Property Address	25421 THREE MOON DR, ELMO, MT 59915-7736
Document Number	0000587917
Instrument Date	Apr 22, 2021
Instrument	587917
Transaction Type	Transfer
Record Updated	Aug 10, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 TIMBERCREEK WAY, KNOXVILLE, TN 37924-4935

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,152.00 (+74.82%)	$528,500 (-)
2025	$2,375.00 (-14.78%)	$528,500 (+218.1%)	$528,500 (+218.1%) Land $147,185 Building $381,315
2023	$2,787.00	$166,145	$166,145 Land $123,785 Building $42,360

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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	Moderate above 61% of the US · lower than 62% of Montana
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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