318 Main St, Polson, MT 59860 Property Records

Lake County property record for 318 Main St, Polson, MT 59860

Property Summary

Property Type	Restaurant
Details	1,240 sqft · built 2021
Lot Size	0.104 acres (4,530 sqft)
Owner	Company Name on Record
Last Sale	$151,300 (Oct 2020)
Tax Bill	$2,876 (2026)
Deeds & Mortgages	Oct 2026 Mortgage Jun 2026 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R1522479`

Property Details

APN / Parcel Number

Primary APN	`R1522479`
Alternative APNs	`15-3228-04-4-19-12-0000` `0000023552`

Interior

Stories	1 Story
Building Area	1,240 sqft Total Area
1st Floor Area	1,240 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick/Stone
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	4,530 sqft (0.104 acres)
View / Lot	Major Street/Thoroughfare
Utility Building	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000023552
Street Address	318 MAIN ST
City	POLSON
State	MT
Zip	59860-2122
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	POLSON ORIGINAL TOWNSITE, S04, T22 N, R20 W, BLOCK 13, LOT 5B1, ACRES 0.104, OF AMND LOTS 5A & 5B
Legal Range	20W
Legal Township	22N
Legal Section	04
Legal Subdivision	POLSON ORIGINAL TOWNSITE
Legal Block	13
Legal Lot Number	5B1
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	2
Census Block	2005
Census Tract	940307

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 18163, MISSOULA, MT 59808-8163
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Jun 11, 2026	Deed of Trust, Mortgage · Construction Mortgage INCG CAPITAL GROUP LLC
May 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK/MISSOULA
Oct 26, 2020	Warranty Deed, Transfer · Line of Credit FIRST SECURITY BANK OF MISSOULA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2020 · Amount on Record
Deed Sale	Oct 26, 2020 · Amount on Record
Prior Sale	Aug 19, 2011 · Amount on Record
Deed Document Number	2020582327
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Recording Date	Oct 6, 2026
Property Address	318 MAIN ST, POLSON, MT 59860-2122
Document Number	0000641996
Instrument Date	Oct 2, 2026
Instrument	2026641996
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000641996,
Date	Oct 6, 2026
Instrument	2026641996

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	102 Months
Due	Apr 1, 2035

Interest

Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Recording Date	Jun 11, 2026
Property Address	318 MAIN ST, POLSON, MT 59860-2122
Document Number	0000639160
Instrument Date	Jun 8, 2026
Instrument	2026639160
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	2421 OLD RANCH RD, MISSOULA, MT 59808-8016

Mortgage

Document Number	0000639160,
Date	Jun 11, 2026
Instrument	2026639160

Lender

Name	INCG CAPITAL GROUP LLC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2027

Interest

Rate	6.37%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Recording Date	May 13, 2026
Property Address	318 MAIN ST, POLSON, MT 59860-2122
Document Number	0000638633
Instrument Date	May 7, 2026
Instrument	2026638633
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	318 MAIN ST, POLSON, MT 59860-2122

Mortgage

Document Number	0000638633,
Date	May 13, 2026
Instrument	2026638633

Lender

Name	FIRST SECURITY BANK/MISSOULA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.37%
Max Rate	-1%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Oct 26, 2020
Property Address	318 MAIN ST, POLSON, MT 59860-2122
Document Number	0000582327
Instrument Date	Oct 26, 2020
Instrument	582327
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 428, POLSON, MT 59860-0428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2421 OLD RANCH RD, MISSOULA, MT 59808-8016

Mortgage

Document Number	0000582328
Date	Oct 26, 2020
Instrument	582328

Lender

Name	FIRST SECURITY BANK OF MISSOULA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Montana
County	Lake County
Municipality	Polson City
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	$2,876.00 (-7.67%)	$292,200 (-)
2025	$3,115.00 (-29.95%)	$292,200 (+5.15%)	$292,200 (+5.15%) Land $99,408 Building $192,792
2023	$4,447.00	$277,900	$277,900 Land $45,560 Building $232,340

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

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

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

Wildfire Risk	Low lower than 93% of the US · lower than 98.4% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF POLSON serves 5,300 people · EPA ID MT0000308
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2021–2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 369 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
Western Montana CommunityTel Fiber	100 / 100

May also be available: Verizon.

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