Lake County property record for 315 3rd Ave SE, Ronan, MT 59864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,467 sqft · built 2023 |
| Lot Size | 0.175 acres (7,623 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,614 (2026) |
| Deeds & Mortgages | Jan 2024 Mortgage Oct 2023 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R1511120 |
| Primary APN | R1511120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,467 sqft Living Area |
| 1st Floor Area | 1,472 sqft |
| Attic | Attic |
| Attic Area | 995 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,623 sqft (0.175 acres) |
| Garage Area | 1,200 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000009648 |
|---|---|
| Street Address | 315 3RD AVE SE |
| City | RONAN |
| State | MT |
| Zip | 59864-3124 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Description | SMEAD ADD (RONAN), S01, T20 N, R20 W, BLOCK 15, LOT 7 - 8, ACRES 0.175 |
| Legal Range | 20W |
| Legal Township | 20N |
| Legal Section | 01 |
| Legal Subdivision | SMEAD ADD (RONAN) |
| Legal Block | 15 |
| Legal Lot Number | 7,8 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 940500 |
315 3rd Ave SE, a single family home, is owned by two individuals.
Source: Lake County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 22 COUNTRY CLUB SHRS, POLSON, MT 59860-7203 |
| 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.
| Date | Document |
|---|---|
| Jan 30, 2024 | Deed of Trust, Mortgage · Conventional Mortgage VALLEY BANK OF RONAN |
| Oct 10, 2023 | Deed of Trust, Mortgage · Construction Mortgage VALLEY BANK OF RONAN |
| Apr 5, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage VALLEY BANK OF RONAN |
| Nov 9, 2022 | Warranty Deed, Transfer NOT AVAILABLE, FLYING S T&E OF MT INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 315 3RD AVE SE, RONAN, MT 59864-3124 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2024 |
| Name | Verified Name |
|---|---|
| Address | 315 3RD AVE SE, RONAN, MT 59864-3124 |
| Document Number | 0000609284 |
|---|---|
| Date | Jan 30, 2024 |
| Instrument | 609284 |
| Name | VALLEY BANK OF RONAN |
|---|---|
| Type | Bank |
| Address | RONAN, MT 59864 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 315 3RD AVE SE, RONAN, MT 59864-3124 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 208 2ND AVE SE D, D, RONAN, MT 59864-2801 |
| Document Number | 0000607716 |
|---|---|
| Date | Oct 10, 2023 |
| Instrument | 607716 |
| Name | VALLEY BANK OF RONAN |
|---|---|
| Type | Bank |
| Address | RONAN, MT 59864 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 6 Months |
| Due | Apr 1, 2024 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE MT |
| Recording Date | Apr 5, 2023 |
| Property Address | 315 3RD AVE SE, RONAN, MT 59864-3124 |
| Document Number | 0000604183 |
| Instrument Date | Apr 4, 2023 |
| Instrument | 604183 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2023 |
| Title Company | NOT AVAILABLE, FLYING S T&E OF MT INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 208 2ND AVE SE APT D, D, RONAN, MT 59864-2801 |
| Document Number | 0000604184 |
|---|---|
| Date | Apr 5, 2023 |
| Instrument | 604184 |
| Name | VALLEY BANK OF RONAN |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Apr 3, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MT |
| Recording Date | Nov 9, 2022 |
| Property Address | 315 3RD AVE SE, RONAN, MT 59864-3124 |
| Document Number | 0000602106 |
| Instrument Date | Nov 9, 2022 |
| Instrument | 602106 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2022 |
| Title Company | NOT AVAILABLE, FLYING S T&E OF MT INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22 COUNTRY CLUB SHRS, POLSON, MT 59860-7203 |
The 2026 property tax bill for 315 3rd Ave SE was $7,614, up 77.1% from the year before.
Source: Lake County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Lake County |
| Municipality | Ronan City |
| Elementary School District | Ronan Elementary School District (PK - 08) |
| Secondary School District | Ronan High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,614.00 (+77.07%) | $681,900 (-) | |
| 2025 | $4,300.00 | $681,900 | $681,900 Land $44,978 Building $636,922 |
| 2023 | $426.00 | $28,954 | $28,954 Land $28,954 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 315 3rd Ave SE in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 16, 2022
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 315 3rd Ave SE 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 80% of the US · lower than 93% of Montana |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF RONAN serves 2,483 people · EPA ID MT0000318 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Failure to filter resolved · Dec 2011 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 24 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.
Source: FCC Broadband Data Collection, based on 247 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Western Montana CommunityTel Fiber | 100 / 100 |
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