Lake County property record for 28382 Cedar Bay Ln, Bigfork, MT 59911
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,599 sqft · built 1999 |
| Lot Size | 1.27 acres (55,365 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $10,916 (2026) |
| Deeds & Mortgages | Sep 2022 Mortgage Sep 2022 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | R1515944 |
| Primary APN | R1515944 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,599 sqft Living Area |
| 1st Floor Area | 1,724 sqft |
| Attic | Attic |
| Attic Area | 875 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 55,365 sqft (1.27 acres) |
| Lot Dimensions | 350 ft deep x 125 ft wide |
| Terrain | Steep |
| Garage Area | 527 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 372 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000013477 |
|---|---|
| Street Address | 28382 CEDAR BAY LN |
| City | BIGFORK |
| State | MT |
| Zip | 59911-5891 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CYGNET RNCH SWAN LAKE W SHR TR, S24, T26 N, R19 W, LOT 23, ACRES 1.27 |
| Legal Range | 19W |
| Legal Township | 26N |
| Legal Section | 24 |
| Legal Subdivision | CYGNET RNCH SWAN LAKE W SHR TR |
| Legal Lot Number | 23 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | WOODS BAY-ROLLINS |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 100 |
28382 Cedar Bay Ln is owned by two individuals who acquired it in September 2019.
Source: Lake County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3939 HEAD LN, HELENA, MT 59602-9628 |
| 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.
| Date | Document |
|---|---|
| Sep 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage FIRST INTERSTATE BANK |
| Sep 28, 2022 | Affidavit of Death of Joint Tenant, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 17, 2019 |
| Transfer Doc | 0000572283 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MT |
| Recording Date | Sep 28, 2022 |
| Property Address | 28382 CEDAR BAY LN, BIGFORK, MT 59911-5891 |
| Document Number | 0000601403 |
| Instrument Date | Sep 26, 2022 |
| Instrument | 601403 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 28382 CEDAR BAY LN, BIGFORK, MT 59911-5891 |
| Document Number | 0000601404 |
|---|---|
| Date | Sep 28, 2022 |
| Instrument | 601404 |
| Name | FIRST INTERSTATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | LAKE MT |
| Recording Date | Sep 28, 2022 |
| Property Address | 28382 CEDAR BAY LN, BIGFORK, MT 59911-5891 |
| Document Number | 0000601401 |
| Instrument Date | Sep 26, 2022 |
| Instrument | 601401 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7199 FLINTWOOD RD, PARKER, CO 80138-6123 |
The 2026 property tax bill for 28382 Cedar Bay Ln was $10,916, up 44% from the year before.
Source: Lake County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Lake County |
| Elementary School District | Bigfork Elementary School District (PK - 08) |
| Secondary School District | Bigfork High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,916.00 (+44.01%) | $1,711,900 (-) | |
| 2025 | $7,580.00 | $1,711,900 | $1,711,900 Land $1,155,000 Building $556,900 |
| 2023 | $4,822.00 | $876,500 | $876,500 Land $445,000 Building $431,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28382 Cedar Bay Ln in Zone AE, 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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 3,078.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 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.
The area around 28382 Cedar Bay Ln has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| CenturyLink DSL | 40 / 3 |
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