309 Ponderosa Ln, Kalispell, MT 59901 Property Records

Flathead County property record for 309 Ponderosa Ln, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 2,514 sqft · built 1990
Lot Size	0.646 acres (28,140 sqft)
Owner	2 Individual Names on File
Last Sale	$781,060 (May 2024)
Tax Bill	$3,855 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Aug 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0788472`

Property Details

APN / Parcel Number

Primary APN	`R0788472`
Alternative APNs	`07-4078-19-2-04-50-0000` `0000967864`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,514 sqft Living Area
1st Floor Area	1,314 sqft
2nd Floor Area	1,200 sqft
Basement Area	728 sqft
Finished Basement	728 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2005
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,140 sqft (0.646 acres)
Garage Area	1,200 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	90 sqft
Deck Area	400 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000967864
Street Address	309 PONDEROSA LN
City	KALISPELL
State	MT
Zip	59901-6835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	PONDEROSA AMD, S19, T29 N, R21 W, LOT 30, ASSR #0000967864
Legal Range	21W
Legal Township	29N
Legal Section	19
Legal Subdivision	PONDEROSA AMD
Legal Lot Number	30
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	2
Census Block	2031
Census Tract	601

Owner

309 Ponderosa Ln is owned and occupied by two individuals who bought it in May 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	309 PONDEROSA LN, KALISPELL, MT 59901-6835
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2022	Deed of Trust, Mortgage · VA Mortgage AMERIFIRST FINANCIAL INC
Aug 23, 2021	Affidavit of Death of Joint Tenant, Transfer INSURED TITLE, INSURED TITLES
Aug 23, 2021	Personal Representative Deed, Transfer · VA Mortgage AMERIFIRST FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2024 · Amount on File
Deed Sale	May 20, 2024 · Amount on File
Prior Sale	Aug 23, 2021 · Amount on File
Deed Document Number	20248292
Prior Transfer Date	Aug 5, 2021
Prior Transfer Doc	0000029492
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	309 PONDEROSA LN, KALISPELL, MT 59901-6835
Transaction Type	Mortgage
Record Updated	Aug 3, 2022
Title Company	INSURED TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200018179
Date	Jul 26, 2022
Instrument	202200018179

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Mortgage Company
Address	GILBERT, AZ 85297

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

August 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	FLATHEAD MT
Recording Date	Aug 23, 2021
Property Address	309 PONDEROSA LN, KALISPELL, MT 59901-6835
Document Number	202100029492
Instrument Date	Aug 5, 2021
Instrument	202100029492
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	INSURED TITLE, INSURED TITLES

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2413 NE SUNNYMEDE ST, POULSBO, WA 98370-4516
Investor	Possibly a Property Investor

August 2021: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	FLATHEAD MT
Recording Date	Aug 23, 2021
Property Address	309 PONDEROSA LN, KALISPELL, MT 59901-6835
Document Number	202100029493
Instrument Date	Aug 5, 2021
Instrument	202100029493
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	INSURED TITLE, INSURED TITLES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	309 PONDEROSA LN, KALISPELL, MT 59901-6835

Mortgage

Document Number	202100029494
Date	Aug 23, 2021
Instrument	202100029494

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	0 Months
Due	Aug 23, 2021

Tax Assessment & Valuation

The 2026 property tax bill for 309 Ponderosa Ln was $3,855.

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,855.00	$885,000
2025			$885,000 Land $229,849 Building $655,151
2023	$3,674.00	$439,600	$439,600 Land $116,938 Building $322,662

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

Flood

FEMA maps place 309 Ponderosa Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1997.

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	Severe Storms,ice Jams, Snow Melt, Flooding, May 1997 · 3 claims

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

Wildfire risk around 309 Ponderosa Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 98.8% of Montana
Wildfire Likelihood	0.01% 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	PONDEROSA HOMEOWNERS ASSN INC private · serves 246 people · EPA ID MT0002863
Water Source	Groundwater
Last State Inspection	May 2026
Lead	4 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	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
CenturyLink Fiber	940 / 940
Verizon Fixed Wireless	300 / 20
Bullitt Communications Fixed Wireless	100 / 50
AT&T Fixed Wireless	100 / 20

May also be available: MontanaSky Networks.

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