31490 N Finley Point Rd, Polson, MT 59860 Property Records

Lake County property record for 31490 N Finley Point Rd, Polson, MT 59860

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,290 sqft · built 1940
Lot Size	1.27 acres (55,335 sqft)
Owner	Trust Name on File
Last Sale	$568,800 (Nov 2018)
Tax Bill	$13,695 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R153858`

Property Details

APN / Parcel Number

Primary APN	`R153858`
Alternative APNs	`15-3351-18-1-01-09-0000` `0000002746`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,290 sqft Living Area
1st Floor Area	832 sqft
Attic	Attic
Attic Area	458 sqft
Basement Area	832 sqft
Finished Basement	832 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	55,335 sqft (1.27 acres)
Lot Dimensions	279 ft deep x 150 ft wide
Terrain	Steep
View / Lot	Waterfront / Beach
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	44 sqft
Deck Area	240 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000002746
Street Address	31490 N FINLEY POINT RD
City	POLSON
State	MT
Zip	59860-7837
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNRISE VILLA, S18, T23 N, R19 W, TR 1 AMND SP & COS 6947 TR 2
Legal Range	19W
Legal Township	23N
Legal Section	18
Legal Subdivision	SUNRISE VILLA
Legal Tract	1
Legal Lot Number	B
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	1
Census Block	1077
Census Tract	940304

Owner

31490 N Finley Point Rd is held in a trust since March 2024.

Source: Lake County records, as of October 20, 2026

Owner of Record	Trust Name on File
Mailing Address	3328 SHOSHONE ST, DENVER, CO 80211-3427
Owner Type	Company
Vesting	Trust, Family Trust

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
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 7, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2018 · Amount on File
Deed Sale	Nov 7, 2018 · Amount on File
Prior Sale	Nov 14, 2012 · Amount on File
Deed Document Number	2018566254
Last Transfer Date	Mar 4, 2024
Transfer Doc	0000611762
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	31490 N FINLEY POINT RD, POLSON, MT 59860-7837
Transaction Type	Mortgage
Record Updated	Apr 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	586763
Date	Mar 24, 2021
Instrument	586763

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	1.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.75%
Index	Other
Margin	3
Max Rate	6.75%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	31490 N FINLEY POINT RD, POLSON, MT 59860-7837
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	573029
Date	Oct 21, 2019
Instrument	573029

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	8.12%

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE MT
Recording Date	Nov 7, 2018
Property Address	31490 N FINLEY POINT RD, POLSON, MT 59860-7837
Document Number	566254
Instrument Date	Oct 16, 2018
Instrument	566254
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	31490 N FINLEY POINT RD, POLSON, MT 59860-7837

Mortgage

Document Number	566255
Date	Nov 7, 2018
Instrument	566255

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 31490 N Finley Point Rd was $13,695, up 27.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,695.00 (+27.78%)	$1,854,100 (-)
2025	$10,718.00	$1,854,100	$1,854,100 Land $1,620,500 Building $233,600
2023	$9,229.00	$1,455,700	$1,455,700 Land $1,269,500 Building $186,200

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

Flood

FEMA maps place 31490 N Finley Point Rd 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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 31490 N Finley Point Rd is moderate, ranking above 46% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 77% of Montana
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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