305 Emerald Dr, Whitefish, MT 59937 Property Records

Flathead County property record for 305 Emerald Dr, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,845 sqft · built 2007
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Company Names on Record
Last Sale	$559,700 (Jul 2018)
Tax Bill	$3,210 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R0776926`

Property Details

APN / Parcel Number

Primary APN	`R0776926`
Alternative APNs	`07-4184-12-4-06-06-0000` `0000636670`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,845 sqft Living Area
1st Floor Area	2,464 sqft
Attic	Attic
Attic Area	381 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,965 sqft (1.17 acres)
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	276 sqft
Deck Area	550 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000636670
Street Address	305 EMERALD DR
City	WHITEFISH
State	MT
Zip	59937-8577
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD HEIGHTS, S12, T30 N, R22 W, LOT 21, ACRES 1.17, ASSR #0000636670
Legal Range	22W
Legal Township	30N
Legal Section	12
Legal Subdivision	EMERALD HEIGHTS
Legal Lot Number	21
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	1
Census Block	1027
Census Tract	403

Owner

Source: Flathead County records, as of September 28, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	305 EMERALD DR, WHITEFISH, MT 59937-8577
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage THREE RIVERS FCU
Aug 10, 2023	Intrafamily Transfer, Transfer ATLANTIC TITLE AND ESCROW COMPANY, ALLIANCE TITLE & ESCROW CO
Oct 25, 2018	Intrafamily Transfer, Transfer
Jul 31, 2018	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2018 · Amount on Record
Deed Sale	Jul 31, 2018 · Amount on Record
Prior Sale	Oct 31, 2013 · Amount on Record
Deed Document Number	201816104
Last Transfer Date	Aug 10, 2023
Transfer Doc	0000014213
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	305 EMERALD DR, WHITEFISH, MT 59937-8577
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	ALLIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100012620
Date	Apr 12, 2021
Instrument	202100012620

Lender

Name	THREE RIVERS FCU
Type	Credit Union
Address	KALISPELL, MT 59901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Aug 10, 2023
Property Address	305 EMERALD DR, WHITEFISH, MT 59937-8577
Document Number	202300014213
Instrument Date	Aug 10, 2023
Instrument	202300014213
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	ATLANTIC TITLE AND ESCROW COMPANY, ALLIANCE TITLE & ESCROW CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 EMERALD DR, WHITEFISH, MT 59937-8577

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Oct 25, 2018
Property Address	305 EMERALD DR, WHITEFISH, MT 59937-8577
Document Number	201800026296
Instrument Date	Oct 22, 2018
Instrument	201800026296
Transaction Type	Transfer
Record Updated	Sep 5, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 EMERALD DR, WHITEFISH, MT 59937-8577

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jul 31, 2018
Property Address	305 EMERALD DR, WHITEFISH, MT 59937-8577
Document Number	201800016104
Instrument Date	Jul 27, 2018
Instrument	201800016104
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	INSURED TITLE S

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 EMERALD DR, WHITEFISH, MT 59937-8577

Mortgage

Document Number	201800016105
Date	Jul 31, 2018
Instrument	201800016105

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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	Whitefish Elementary School District (PK - 08)
Secondary School District	Whitefish High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,210.00 (-8.94%)	$1,065,100 (-)
2025	$3,525.00 (-39.6%)	$1,065,100 (+12.27%)	$1,065,100 (+12.27%) Land $261,246 Building $803,854
2023	$5,836.00	$948,700	$948,700 Land $263,193 Building $685,507

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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	Moderate above 40% of the US · lower than 83% of Montana
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	EMERALD HEIGHTS HOA WATER & SEWER DIST serves 70 people · EPA ID MT0002862
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon, Vero Fiber.

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