25732 Caye Dr, Elmo, MT 59915 Property Records

Lake County property record for 25732 Caye Dr, Elmo, MT 59915

Property Summary

Property Type	Single Family Home
Lot Size	5.01 acres (218,236 sqft)
Owner	2 Individual Names on Record
Last Sale	$558,600 (Nov 2025)
Tax Bill	$1,671 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R1524083`

Property Details

APN / Parcel Number

Primary APN	`R1524083`
Alternative APNs	`15-3466-13-4-03-13-0000` `0000007059`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	218,236 sqft (5.01 acres)
Terrain	Rolling
View / Lot	Waterfront / Beach
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	0000007059
Street Address	25732 CAYE DR
City	ELMO
State	MT
Zip	59915-9707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S13, T24 N, R22 W, C.O.S. 5913, ACRES 5.012, TR 313
Legal Range	22W
Legal Township	24N
Legal Section	13
Legal Subdivision	CERTIFICATE OF SURVEY NO 5913
Legal Tract	313
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	2 Individual Names on Record
Mailing Address	PO BOX 177, ELMO, MT 59915-0177
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Warranty Deed, Transfer · VA Mortgage ENVOY MORTGAGE LTD
Nov 19, 2024	Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2025 · Amount on Record
Deed Sale	Nov 21, 2025 · Amount on Record
Prior Sale	Nov 19, 2024 · Amount on Record
Deed Document Number	2025635693
Prior Transfer Date	Nov 18, 2024
Prior Transfer Doc	0000614060
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Nov 21, 2025
Property Address	25732 CAYE DR, ELMO, MT 59915-9707
Document Number	0000635693
Instrument Date	Nov 21, 2025
Instrument	635693
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 312, ELMO, MT 59915-0312

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 177, ELMO, MT 59915-0177

Mortgage

Document Number	0000635694
Date	Nov 21, 2025
Instrument	635694

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

November 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE MT
Recording Date	Nov 19, 2024
Property Address	25732 CAYE DR, ELMO, MT 59915-9707
Document Number	0000614060
Instrument Date	Nov 18, 2024
Instrument	614060
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	25732 CAYE DR # 312, 312, ELMO, MT 59915-9707

Mortgage

Document Number	0000614061
Date	Nov 19, 2024
Instrument	614061

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Dec 1, 2055

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	$1,671.00 (+129.85%)	$496,400 (+220.24%)
2025	$727.00 (-26.19%)	$155,011 (+19.48%)	$496,400 (+282.62%) Land $146,831 Building $349,569
2023	$985.00	$129,737	$129,737 Land $123,577 Building $6,160

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 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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