32012 MT Highway 35, Polson, MT 59860 Property Records

Lake County property record for 32012 MT Highway 35, Polson, MT 59860

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 896 sqft · built 1982
Lot Size	15.8 acres (689,119 sqft)
Owner	Individual Name on Record
Tax Bill	$1,116 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R154242`

Property Details

APN / Parcel Number

Primary APN	`R154242`
Alternative APNs	`15-3351-10-1-01-02-0000` `0000003049`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Units	2 Units
Stories	1 Story
Building Area	896 sqft Living Area
1st Floor Area	896 sqft
Basement Area	728 sqft
Finished Basement	728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1995
Architectural Style	Rustic
Exterior Material	Other
Construction Type	Log
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	689,119 sqft (15.8 acres)
View / Lot	Waterfront / Beach
Garage Type	Mixed
Garage Area	1,104 sqft
Parking Spaces	7 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000003049
Street Address	32012 MT HIGHWAY 35
City	POLSON
State	MT
Zip	59860-7924
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	S10, T23 N, R19 W, C.O.S. 4725, ACRES 15.82
Legal Range	19W
Legal Township	23N
Legal Section	10
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	1
Census Block	1058
Census Tract	940304

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	Individual Name on Record
Mailing Address	181 CLERMONT AVE, 302, BROOKLYN, NY 11205-3357
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2023	Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CU
Jan 25, 2017	Deed of Trust, Mortgage · ARM WHITEFISH CU
Jun 3, 2020	Deed of Trust, Mortgage · Line of Credit WHITEFISH CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	32012 MT HIGHWAY 35, POLSON, MT 59860-7924
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32012 MT HIGHWAY 35, POLSON, MT 59860-7924

Mortgage

Document Number	0000607873
Date	Oct 19, 2023
Instrument	607873

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 19, 2043

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	32012 MT HIGHWAY 35, POLSON, MT 59860-7924
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	553087
Date	Jan 25, 2017
Instrument	553087

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2022
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	5.37%
Index	Other
Max Rate	8.37%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	32012 MT HIGHWAY 35, POLSON, MT 59860-7924
Transaction Type	Mortgage
Record Updated	Jun 17, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	577615
Date	Jun 3, 2020
Instrument	577615

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 5, 2030

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
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	$1,116.00 (+24.41%)	$132,534 (-)
2025	$897.00 (-21.38%)	$132,534 (+14.17%)	$132,534 (+14.17%) Land $4,444 Building $128,090
2023	$1,141.00	$116,084	$116,084 Land $3,994 Building $112,090

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	High above 87% of the US · above 83% of Montana
Wildfire Likelihood	1% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on MT Highway 35

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