Lake County property record for 25978 Caye Dr, Elmo, MT 59915
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,366 sqft · built 2024 |
| Lot Size | 5.01 acres (218,236 sqft) |
| Owner | Company Name on File |
| Last Sale | $393,900 (Oct 2026) |
| Tax Bill | $4,644 (2026) |
| Deeds & Mortgages | Oct 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R1524052 |
| Primary APN | R1524052 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,366 sqft Living Area |
| 1st Floor Area | 1,900 sqft |
| Basement Area | 1,900 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Modern |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Shed Roof |
| Roof Material | Metal |
| Lot Area | 218,236 sqft (5.01 acres) |
| Terrain | Rolling |
| Garage Area | 1,386 sqft |
| Porch | Slab |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 0000031662 |
|---|---|
| Street Address | 25978 CAYE DR |
| City | ELMO |
| State | MT |
| Zip | 59915-9748 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S13, T24 N, R22 W, C.O.S. 5913, ACRES 5.01, TR 314 |
| Legal Range | 22W |
| Legal Township | 24N |
| Legal Section | 13 |
| Legal Subdivision | COS 5913 |
| Legal Tract | 314 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 2 |
| Census Block | 2158 |
| Census Tract | 940306 |
25978 Caye Dr is owned by a company that bought it in October 2026.
Source: Lake County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 36152 ACRE VIEW DR, POLSON, MT 59860-8050 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2026 · Amount on File |
| Deed Sale | Oct 1, 2026 · Amount on File |
| Prior Sale | Mar 29, 2023 |
| Deed Document Number | 2026641881 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MT |
| Recording Date | Oct 1, 2026 |
| Property Address | 25978 CAYE DR, ELMO, MT 59915-9748 |
| Document Number | 0000641881 |
| Instrument Date | Sep 30, 2026 |
| Instrument | 2026641881 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 36152 ACRE VIEW DR, POLSON, MT 59860-8050 |
| Document Number | 0000641881, |
|---|---|
| Date | Oct 1, 2026 |
| Instrument | 2026641881 |
| Special Notes | Seller Financed |
|---|
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Oct 1, 2031 |
| Max Rate | -1% |
|---|
The 2026 property tax bill for 25978 Caye Dr was $4,644, up 568.2% from the year before.
Source: Lake County assessment roll, as of September 11, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,644.00 (+568.2%) | $601,441 (+309.61%) | |
| 2025 | $695.00 | $146,831 | $601,441 Land $146,831 Building $454,610 |
| 2023 | $743.00 | $123,577 | $123,577 Land $123,577 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 25978 Caye Dr in Zone X, an area of minimal flood risk.
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 risk around 25978 Caye Dr is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · lower than 60% 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.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Western Montana CommunityTel Fiber | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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