Flathead County property record for 3020 River Lakes Dr, Whitefish, MT 59937
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.816 acres (35,545 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $3,614 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Aug 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | R0744532 |
| Primary APN | R0744532 |
|---|---|
| Alternative APNs |
|
| Lot Area | 35,545 sqft (0.816 acres) |
|---|---|
| Parking Spaces | 1 Parking Space |
| Account Number | 0000005986 |
|---|---|
| Street Address | 3020 RIVER LAKES DR |
| City | WHITEFISH |
| State | MT |
| Zip | 59937-7801 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | THE LAKES AT RIVERSIDE PH1, S08, T30 N, R21 W, LOT 10, ASSR #0000005986 |
| Legal Range | 21W |
| Legal Township | 30N |
| Legal Section | 08 |
| Legal Subdivision | THE LAKES AT RIVERSIDE PH1 |
| Legal Lot Number | 10 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | KALISPELL |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 601 |
3020 River Lakes Dr, residential vacant land, is held in a trust since August 2023.
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 Trust Names on File |
|---|---|
| Mailing Address | 3020 RIVER LAKES DR, WHITEFISH, MT 59937-7801 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Jul 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CREDIT UNION |
| Aug 17, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 17, 2023 |
| Transfer Doc | 0000014663 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Jul 22, 2026 |
| Property Address | 3020 RIVER LAKES DR, WHITEFISH, MT 59937-7801 |
| Document Number | 0000014825 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 202614825 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Address | 3020 RIVER LAKES DR, WHITEFISH, MT 59937-7801 |
| Investor | Possibly a Property Investor |
| Document Number | 0000014825, |
|---|---|
| Date | Jul 22, 2026 |
| Instrument | 202614825 |
| Name | WHITEFISH CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 15, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.81% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Aug 17, 2023 |
| Property Address | 3020 RIVER LAKES DR, WHITEFISH, MT 59937-7801 |
| Document Number | 202300014663 |
| Instrument Date | Aug 17, 2023 |
| Instrument | 202300014663 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 10937 SALLINGS RD, KNOXVILLE, TN 37922-3138 |
Source: Flathead County assessment roll, as of September 11, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,614.00 (+80.61%) | $517,096 (+77.43%) | |
| 2025 | $517,096 (+77.43%) Land $517,096 | ||
| 2023 | $2,001.00 | $291,439 | $291,439 Land $291,439 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3020 River Lakes Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2011) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2011 · Severe Storms And 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.
Wildfire risk around 3020 River Lakes 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 | 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 31 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 |
5G (outdoors only) and 4G LTE
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