3044 N Bernard Ct, Kalispell, MT 59901 Property Records

Flathead County property record for 3044 N Bernard Ct, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,000 sqft · built 1948
Lot Size	0.551 acres (24,002 sqft)
Owner	Individual Name on Record
Last Sale	$361,971 (Oct 2025)
Tax Bill	$3,662 (2026)
Deeds & Mortgages	Oct 2025 Second Mortgage Oct 2025 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`R0758631`

Property Details

APN / Parcel Number

Primary APN	`R0758631`
Alternative APNs	`07-3966-03-2-07-08-0000` `0000219700`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	24,002 sqft (0.551 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	160 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000219700
Street Address	3044 N BERNARD CT
City	KALISPELL
State	MT
Zip	59901-2477
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	BERNARDS PARK, S03, T28 N, R21 W, BLOCK 2, LOT 5, COS 20017-A, TR A, TR 2BAABA IN L1, ASSR #0000219700
Legal Range	21W
Legal Township	28N
Legal Section	03
Legal Subdivision	BERNARDS PARK
Legal Block	2
Legal Lot Number	5
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	5
Census Block	5002
Census Tract	700

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	3044 N BERNARD CT, KALISPELL, MT 59901-2477
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage V I P MORTGAGE INC
Oct 3, 2025	Warranty Deed, Transfer · FHA Mortgage V I P MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2025 · Amount on Record
Deed Sale	Oct 3, 2025 · Amount on Record
Deed Document Number	202521742
Prior Transfer Date	Apr 8, 2013
Prior Transfer Doc	0000008790
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	3044 N BERNARD CT, KALISPELL, MT 59901-2477
Transaction Type	Mortgage
Record Updated	Dec 8, 2025
Title Company	UNKNOWN, FPT

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202500023117
Date	Oct 24, 2025
Instrument	202500023117

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company
Address	78525

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2040

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Oct 3, 2025
Property Address	3044 N BERNARD CT, KALISPELL, MT 59901-2477
Document Number	202500021742
Instrument Date	Sep 30, 2025
Instrument	202500021742
Transaction Type	Transfer
Record Updated	Oct 24, 2025
Title Company	FLATHEAD PREMIER TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3044 N BERNARD CT, KALISPELL, MT 59901-2477
Investor	Possibly a Property Investor

Mortgage

Document Number	202500021743
Date	Oct 3, 2025
Instrument	202500021743

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Mortgage

Document Number	202500021749
Date	Oct 6, 2025
Instrument	202500021749

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2040

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,662.00 (+160.09%)	$359,200 (-)
2025	$1,408.00 (-44.94%)	$359,200 (+19.45%)	$359,200 (+19.45%) Land $157,716 Building $201,484
2023	$2,557.00	$300,700	$300,700 Land $79,803 Building $220,897

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 51 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	51 in force
Nearby Flood Claims	3 (1997–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2022 · Severe Storm And Flooding

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 99.1% of the US · lower than 99.8% of Montana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	FLATHEAD COUNTY WATER AND SEWER serves 9,520 people · EPA ID MT0001744
Water Source	Groundwater
Last State Inspection	Aug 2022
Lead	1 ppb (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	1 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 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vero Fiber Fiber	2,500 / 2,500
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Bullitt Communications Fixed Wireless	100 / 50

May also be available: MontanaSky Networks, Verizon.

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