28984 Black Point Rd, Polson, MT 59860 Property Records

Lake County property record for 28984 Black Point Rd, Polson, MT 59860

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,400 sqft · built 1954
Lot Size	6.17 acres (268,765 sqft)
Owner	2 Individual Names on Record
Last Sale	$108,800 (Jun 2013)
Tax Bill	$2,940 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Jan 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R152003`

Property Details

APN / Parcel Number

Primary APN	`R152003`
Alternative APNs	`15-3350-02-2-03-04-0000` `0000001455`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	268,765 sqft (6.17 acres)
Lot Dimensions	208 ft deep x 911 ft wide
Terrain	Steep
View / Lot	Mountain
Garage Area	392 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Deck Area	160 sqft
Shed	1 Shed
Shed Area	56 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000001455
Street Address	28984 BLACK POINT RD
City	POLSON
State	MT
Zip	59860-8247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAFETY BAY VILLA SITE, S02, T23 N, R20 W, BLOCK 001, LOT 00A, TR A (AMND 4, 5, 6)
Legal Range	20W
Legal Township	23N
Legal Section	02
Legal Subdivision	SAFETY BAY VILLA SITE
Legal Tract	A
Legal Block	1
Legal Lot Number	A
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	2
Census Block	2107
Census Tract	940306

Owner

Source: Lake County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	28984 BLACK POINT RD, POLSON, MT 59860-8247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Jan 31, 2022	Transfer on Death Deed, Transfer
Apr 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISSOULA FCU
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage CLEARWATER FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2013 · Amount on Record
Deed Sale	Jun 17, 2013 · Amount on Record
Deed Document Number	2013529304
Last Transfer Date	Jan 21, 2022
Transfer Doc	0000595745
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Recording Date	Sep 24, 2026
Property Address	28984 BLACK POINT RD, POLSON, MT 59860-8247
Document Number	0000641744
Instrument Date	Sep 18, 2026
Instrument	2026641744
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28984 BLACK POINT RD, POLSON, MT 59860-8247

Mortgage

Document Number	0000641744,
Date	Sep 24, 2026
Instrument	2026641744

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 18, 2051

Interest

Max Rate	-1%

January 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LAKE MT
Recording Date	Jan 31, 2022
Property Address	28984 BLACK POINT RD, POLSON, MT 59860-8247
Document Number	0000595745
Instrument Date	Jan 21, 2022
Instrument	595745
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3319 MEANDER WAY, 3319, JUNEAU, AK 99801-9602

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	28984 BLACK POINT RD, POLSON, MT 59860-8247
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	554267
Date	Apr 3, 2017
Instrument	554267

Lender

Name	MISSOULA FCU
Type	Credit Union
Address	MISSOULA, MT 59801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2027

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	28984 BLACK POINT RD, POLSON, MT 59860-8247
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	577279
Date	May 22, 2020
Instrument	577279

Lender

Name	CLEARWATER FCU
Type	Credit Union
Address	MISSOULA, MT 59801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2030

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,940.00 (-88.71%)	$3,287,440 (-2.93%)
2025	$26,031.00 (+150.06%)	$3,386,500 (+106.22%)	$3,287,440 (+100.19%) Land $2,957,500 Building $329,940
2023	$10,410.00	$1,642,200	$1,642,200 Land $1,595,400 Building $46,800

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

Flood

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

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	0.03% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Western Montana CommunityTel Fixed Wireless	25 / 10
CenturyLink DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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