Flathead County property record for 316 Rosewater Loop, Kalispell, MT 59901
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 1,985 sqft · built 2022 |
| Lot Size | 1.24 acres (54,406 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $5,474 (2026) |
| Deeds & Mortgages | Mar 2022 Mortgage Jul 2021 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | R847961 |
| Primary APN | R847961 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,985 sqft Living Area |
| 1st Floor Area | 1,985 sqft |
| Basement Area | 1,985 sqft |
| Finished Basement | 1,985 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Modern |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Shed Roof |
| Roof Material | Asphalt |
| Lot Area | 54,406 sqft (1.24 acres) |
| Garage Area | 1,289 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 372 sqft |
| Deck Area | 228 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Account Number | 0000507393 |
|---|---|
| Street Address | 316 ROSEWATER LOOP |
| City | KALISPELL |
| State | MT |
| Zip | 59901-4696 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSEWATER NO 2B, S20, T29 N, R21 W, LOT 44A, ACRES 1.25 |
| Legal Range | 21W |
| Legal Township | 29N |
| Legal Section | 20 |
| Legal Subdivision | ROSEWATER NO 2B |
| Legal Lot Number | 44A |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | KALISPELL |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 601 |
316 Rosewater Loop is owner-occupied and held in a trust since September 2022.
Source: Flathead County records, as of September 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 316 ROSEWATER LOOP, KALISPELL, MT 59901-4696 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Revocable Trust |
| Date | Document |
|---|---|
| Mar 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CU |
| Jul 16, 2021 | Deed of Trust, Mortgage · Construction Mortgage WHITEFISH CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2022 |
| Deed Sale | Sep 9, 2022 |
| Prior Sale | Apr 8, 2021 |
| Deed Document Number | 202223885 |
| Prior Transfer Date | Jul 19, 2022 |
| Prior Transfer Doc | 0000023885 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 316 ROSEWATER LOOP, KALISPELL, MT 59901-4696 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2022 |
| Title Company | INSURED TITLE, INSURED TITLES |
| Name | Verified Name |
|---|
| Document Number | 202200005759 |
|---|---|
| Date | Mar 4, 2022 |
| Instrument | 202200005759 |
| Name | WHITEFISH CU |
|---|---|
| Type | Credit Union |
| Address | WHITEFISH, MT 59937 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 20, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 316 ROSEWATER LOOP, KALISPELL, MT 59901-4696 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2021 |
| Title Company | INSURED TITLE, INSURED TITLES |
| Name | Verified Name |
|---|
| Document Number | 202100023921 |
|---|---|
| Date | Jul 16, 2021 |
| Instrument | 202100023921 |
| Name | WHITEFISH CU |
|---|---|
| Type | Credit Union |
| Address | WHITEFISH, MT 59937 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jul 15, 2022 |
The 2026 property tax bill for 316 Rosewater Loop was $5,474, up 1.3% from the year before.
Source: Flathead County assessment roll, as of September 11, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,474.00 (+1.31%) | $1,175,500 (-) | |
| 2025 | $5,403.00 | $1,175,500 | $1,175,500 Land $271,548 Building $903,952 |
| 2023 | $1,655.00 | $197,966 | $197,966 Land $197,966 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 316 Rosewater Loop 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 |
|
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 risk around 316 Rosewater Loop is low, with less than 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 99.1% of the US · lower than 99.8% of Montana |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Bullitt Communications Fixed Wireless | 100 / 50 |
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