Lake County property record for 26188 Spinnaker Ln, Elmo, MT 59915
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,947 sqft · built 2001 |
| Lot Size | 0.402 acres (17,511 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,997 (2026) |
| Flood Zone | Zone A (high risk) |
| APN | R1523999 |
| Primary APN | R1523999 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,947 sqft Living Area |
| 1st Floor Area | 1,947 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 17,511 sqft (0.402 acres) |
| Lot Dimensions | 100 ft deep x 175 ft wide |
| Terrain | Rolling |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 377 sqft |
| Deck Area | 216 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000031620 |
|---|---|
| Street Address | 26188 SPINNAKER LN |
| City | ELMO |
| State | MT |
| Zip | 59915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTH BIG ARM BAY SUBD, S19, T24 N, R21 W, LOT 15B, ACRES 0.401, 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 | 2000 |
| Census Tract | 940306 |
26188 Spinnaker Ln, a single family home, is owned by two individuals.
Source: Lake County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 187, ELMO, MT 59915-0187 |
| 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 | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 26188 Spinnaker Ln was $4,997, down 19.7% 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 | $4,997.00 (-19.7%) | $1,315,100 (-) | |
| 2025 | $6,223.00 | $1,315,100 | $1,315,100 Land $677,500 Building $637,600 |
| 2023 | $6,443.00 | $1,006,700 | $1,006,700 Land $532,500 Building $474,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 26188 Spinnaker Ln in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 26188 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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