25652 Caye Dr, Elmo, MT 59915 Property Records

Lake County property record for 25652 Caye Dr, Elmo, MT 59915

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,560 sqft · built 2022
Lot Size	5.01 acres (218,497 sqft)
Owner	Individual Name on Record
Last Sale	$396,900 (Jul 2026)
Tax Bill	$1,457 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R1524046`

Property Details

APN / Parcel Number

Primary APN	`R1524046`
Alternative APNs	`15-3466-13-4-02-11-0000` `0000031656`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,560 sqft
Basement Area	1,560 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Mobile Home
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	218,497 sqft (5.01 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	0000031656
Street Address	25652 CAYE DR
City	ELMO
State	MT
Zip	59915
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	S13, T24 N, R22 W, C.O.S. 5913, ACRES 5.016, TRACT 311
Legal Range	22W
Legal Township	24N
Legal Section	13
Legal Subdivision	CERTIFICATE OF SURVEY NO 5913RT
Legal Tract	311
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 20, 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	46619 LEIGHTON RD, RONAN, MT 59864-8930
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Warranty Deed, Transfer · VA Mortgage VALLEY BANK
Dec 1, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CLEARWATER FCU
Sep 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage CLEARWATER FCU
Nov 23, 2020	Warranty Deed, Transfer · Conventional Mortgage ROCKY MOUNTAIN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2026 · Amount on Record
Deed Sale	Jul 7, 2026 · Amount on Record
Prior Sale	Mar 16, 2021 · Amount on Record
Deed Document Number	2026639635
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Jul 7, 2026
Property Address	25652 CAYE DR, ELMO, MT 59915
Document Number	0000639635
Instrument Date	Jul 6, 2026
Instrument	2026639635
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	US TITLE, FLYING S TITLE AND ESCROW OF M

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46619 LEIGHTON RD, RONAN, MT 59864-8930

Mortgage

Document Number	0000639635,
Date	Jul 7, 2026
Instrument	2026639635

Lender

Name	VALLEY BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	25652 CAYE DR, ELMO, MT 59915
Transaction Type	Mortgage
Record Updated	Dec 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000608500
Date	Dec 1, 2023
Instrument	608500

Lender

Name	CLEARWATER FCU
Type	Credit Union
Address	MISSOULA, MT 59801

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2033

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	25652 CAYE DR, ELMO, MT 59915
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25652 CAYE DR, ELMO, MT 59915

Mortgage

Document Number	0000600934
Date	Sep 2, 2022
Instrument	600934

Lender

Name	CLEARWATER FCU
Type	Credit Union
Address	MISSOULA, MT 59801

Agreement

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

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Nov 23, 2020
Property Address	25652 CAYE DR, ELMO, MT 59915
Document Number	0000583212
Instrument Date	Nov 20, 2020
Instrument	583212
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	6911 VANDERMARK RD E, BONNEY LAKE, WA 98391-8659

Mortgage

Document Number	0000583213
Date	Nov 23, 2020
Instrument	583213

Lender

Name	ROCKY MOUNTAIN CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2025
Change Frequency	5 Years
Min Rate At Change	6.25%
Max Rate At Change	8.5%
Index	Other
Margin	3
Max Rate	11.2%

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	$1,457.00 (+1.53%)	$378,700 (+21.05%)
2025	$1,435.00 (-23.83%)	$312,850 (+25.2%)	$378,700 (+51.55%) Land $146,910 Building $231,790
2023	$1,884.00	$249,883	$249,883 Land $123,623 Building $126,260

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	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 62% of the US · lower than 61% 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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