Flathead County property record for 2946 Rufenach Ln, Kalispell, MT 59901
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,920 sqft · built 2020 |
| Lot Size | 5 acres (217,974 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $578,550 (Nov 2025) |
| Tax Bill | $9,254 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Jan 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R0749693 |
| Primary APN | R0749693 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,920 sqft Living Area |
| 1st Floor Area | 1,920 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 217,974 sqft (5 acres) |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Account Number | 0000010821 |
|---|---|
| Street Address | 2946 RUFENACH LN |
| City | KALISPELL |
| State | MT |
| Zip | 59901-6776 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S17, T29 N, R21 W, ACRES 5, CS 21811-2, TR 4ACA IN NE4NW4 |
| Legal Range | 21W |
| Legal Township | 29N |
| Legal Section | 17 |
| Legal Subdivision | SURVEY NO 17986 |
| Legal Tract | 2 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | KALISPELL |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 601 |
Source: Flathead County records, as of September 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 5493, WHITEFISH, MT 59937-5493 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 16, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jan 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA |
| Nov 20, 2025 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jun 3, 2019 | Warranty Deed, Construction Loan · Construction Mortgage VALLEY BANK OF KALISPELL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 20, 2025 · Amount on Record |
| Deed Sale | Nov 20, 2025 · Amount on Record |
| Prior Sale | Jul 23, 2021 |
| Deed Document Number | 202525111 |
| Prior Transfer Date | Apr 21, 2025 |
| Prior Transfer Doc | 0000007208 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 2946 RUFENACH LN, KALISPELL, MT 59901-6776 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Title Company | FLATHEAD PREMIER TITLE |
| Name | Verified Name |
|---|---|
| Address | 22030 NE 73RD ST, REDMOND, WA 98053-5902 |
| Document Number | 202500026929 |
|---|---|
| Date | Dec 16, 2025 |
| Instrument | 202500026929 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 2946 RUFENACH LN, KALISPELL, MT 59901-6776 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Name | Verified Name |
|---|
| Document Number | 202000000277 |
|---|---|
| Date | Jan 6, 2020 |
| Instrument | 202000000277 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 2946 RUFENACH LN, KALISPELL, MT 59901-6776 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 202100039229 |
|---|---|
| Date | Nov 9, 2021 |
| Instrument | 202100039229 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Nov 20, 2025 |
| Property Address | 2946 RUFENACH LN, KALISPELL, MT 59901-6776 |
| Document Number | 202500025111 |
| Instrument Date | Nov 19, 2025 |
| Instrument | 202500025111 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2025 |
| Title Company | FLATHEAD PREMIER TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | PO BOX 5493, WHITEFISH, MT 59937-5493 |
| Document Number | 202500025112 |
|---|---|
| Date | Nov 20, 2025 |
| Instrument | 202500025112 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Jun 3, 2019 |
| Property Address | 2946 RUFENACH LN, KALISPELL, MT 59901-6776 |
| Document Number | 201900010593 |
| Instrument Date | Jun 3, 2019 |
| Instrument | 201900010593 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 10, 2021 |
| Title Company | ALLIANCE TITLE COMPANY, ALLIANCE TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2930 RUFENACH LN, KALISPELL, MT 59901-6776 |
| Document Number | 201900010594 |
|---|---|
| Date | Jun 3, 2019 |
| Instrument | 201900010594 |
| Name | VALLEY BANK OF KALISPELL |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 9 Months |
| Due | Mar 1, 2020 |
Source: Flathead County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Flathead County |
| Secondary School District | Flathead High School District (09 - 12) |
| Elementary School District | Kalispell Elementary School District (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,254.00 (+111.33%) | $972,700 (-) | |
| 2025 | $4,379.00 (-35.98%) | $972,700 (+18.87%) | $972,700 (+18.87%) Land $344,978 Building $627,722 |
| 2023 | $6,840.00 | $818,300 | $818,300 Land $246,654 Building $571,646 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 3 (1997) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | May 1997 · Severe Storms,ice Jams, Snow Melt, Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 98.9% of Montana |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 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 |
| Bullitt Communications Fixed Wireless | 100 / 50 |
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