Lake County property record for 26145 Spinnaker Ln, Elmo, MT 59915
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,917 sqft · built 1999 |
| Lot Size | 0.349 acres (15,202 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,774 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | R1524004 |
| Primary APN | R1524004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,917 sqft Living Area |
| 1st Floor Area | 1,296 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Rustic |
| Exterior Material | Other |
| Construction Type | Log |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 15,202 sqft (0.349 acres) |
| Terrain | Rolling |
| View / Lot | Waterfront / Beach |
| Garage Type | Detached |
| Garage Area | 1,200 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 160 sqft |
| Deck Area | 128 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000031625 |
|---|---|
| Street Address | 26145 SPINNAKER LN |
| City | ELMO |
| State | MT |
| Zip | 59915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTH BIG ARM BAY SUBD 300, S19, T24 N, R21 W, LOT 25, ACRES 0.49, 1/25 INT COMMON AREA LOTS 1,16,26,27,28 |
| Legal Range | 21W |
| Legal Township | 24N |
| Legal Section | 19 |
| Legal Subdivision | NORTH BIG ARM BAY SUBD |
| Legal Lot Number | 1,16 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 2 |
| Census Block | 2049 |
| Census Tract | 940306 |
26145 Spinnaker Ln is owned by an individual who acquired it in November 2008.
Source: Lake County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 730, LOLO, MT 59847-0730 |
| Owner Type | Individual |
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 | Nov 28, 2008 |
| Deed Sale | Nov 28, 2008 |
| Prior Sale | May 13, 2005 |
| Deed Document Number | 2008493991 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 26145 Spinnaker Ln was $2,774, down 21.3% 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 | $2,774.00 (-21.3%) | $762,700 (-) | |
| 2025 | $3,525.00 | $762,700 | $762,700 Land $248,424 Building $514,276 |
| 2023 | $3,356.00 | $489,500 | $489,500 Land $136,720 Building $352,780 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 26145 Spinnaker Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 26145 Spinnaker Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 98.4% of Montana |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| CenturyLink DSL | 40 / 3 |
| Western Montana CommunityTel Fixed Wireless · Fiber in parts of the area | 25 / 10 |
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