278 Opal Dr, Whitefish, MT 59937 Property Records

Flathead County property record for 278 Opal Dr, Whitefish, MT 59937

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,022 sqft · built 2021
Owner	Individual Name on File
Last Sale	$584,136 (Oct 2022)
Tax Bill	$6,000 (2026)
Deeds & Mortgages	Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R868772`

Property Details

APN / Parcel Number

Primary APN	`R868772`
Alternative APNs	`07-4292-25-2-17-30-7138` `0000508624`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,022 sqft Living Area
1st Floor Area	686 sqft
2nd Floor Area	336 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Shed Roof
Roof Material	Metal
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Deck Area	210 sqft
Shed	1 Shed
Shed Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	0000508624
Street Address	278 OPAL DR
City	WHITEFISH
State	MT
Zip	59937-2589
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	QUARRY CONDO ON L2 CLARKS SUB & TR 7E, S25, T31 N, R22 W, UNIT A38, 0.85% COMMON AREA INTEREST
Legal Range	22W
Legal Township	31N
Legal Section	25
Legal Subdivision	QUARRY CONDO ON L2 CLARKS SUB & TR 7E
Legal Tract	1
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	1
Census Block	1007
Census Tract	301

Owner

278 Opal Dr, a condominium, is owned by an individual who bought it in October 2022.

Source: Flathead County records, as of September 11, 2026

Owner of Record	Individual Name on File
Mailing Address	2310 N FITZHUGH AVE, 40, DALLAS, TX 75204-3455
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2022 · Amount on File
Deed Sale	Oct 28, 2022 · Amount on File
Deed Document Number	202227849
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Oct 28, 2022
Property Address	278 OPAL DR, WHITEFISH, MT 59937-2589
Document Number	202200027849
Map Reference	DOC 202200026229
Instrument Date	Oct 25, 2022
Instrument	202200027849
Transaction Type	Transfer
Record Updated	Nov 14, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2310 N FITZHUGH AVE UNIT 40, 40, DALLAS, TX 75204-3455

Mortgage

Document Number	202200027850
Date	Oct 28, 2022
Instrument	202200027850

Lender

Name	FIRST INTERSTATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	10%
Index	Other
Margin	3
Max Rate	10%

Tax Assessment & Valuation

The 2026 property tax bill for 278 Opal Dr was $6,000.

Source: Flathead County assessment roll, as of September 11, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Flathead County
Municipality	Whitefish City
Elementary School District	Whitefish Elementary School District (PK - 08)
Secondary School District	Whitefish High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,000.00	$856,100
2025			$856,100 Land $252,443 Building $603,657
2023	$3,181.00	$462,000	$462,000 Land $95,568 Building $366,432

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 278 Opal 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	130 units insured incl. 123 condo units

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

Wildfire risk around 278 Opal Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 88% of Montana
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WHITEFISH serves 10,418 people · EPA ID MT0000357
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Vero Fiber.

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