321 Ponderosa Ln, Kalispell, MT 59901 Property Records

Flathead County property record for 321 Ponderosa Ln, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,572 sqft · built 1987
Lot Size	0.66 acres (28,750 sqft)
Owner	Trust Name on File
Last Sale	$325,600 (Oct 2019)
Tax Bill	$2,956 (2026)
Deeds & Mortgages	Mar 2018 Mortgage Oct 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0788470`

Property Details

APN / Parcel Number

Primary APN	`R0788470`
Alternative APNs	`07-4078-19-2-04-40-0000` `0000967862`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,572 sqft Living Area
1st Floor Area	984 sqft
2nd Floor Area	588 sqft
Basement Area	968 sqft
Finished Basement	968 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Shed Roof
Roof Material	Metal
Lot Area	28,750 sqft (0.66 acres)
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Deck Area	302 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000967862
Street Address	321 PONDEROSA LN
City	KALISPELL
State	MT
Zip	59901-6835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	PONDEROSA AMD, S19, T29 N, R21 W, LOT 28, ASSR #0000967862
Legal Range	21W
Legal Township	29N
Legal Section	19
Legal Subdivision	PONDEROSA AMD
Legal Lot Number	28
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	2
Census Block	2031
Census Tract	601

Owner

321 Ponderosa Ln is owner-occupied and held in a trust since October 2019.

Source: Flathead County records, as of September 11, 2026

Owner of Record	Trust Name on File
Mailing Address	321 PONDEROSA LN, KALISPELL, MT 59901-6835
Occupancy	Owner Occupied
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 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Oct 15, 2019	Intrafamily Transfer, Transfer TITLE SOURCE
Oct 7, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2019 · Amount on File
Deed Sale	Oct 7, 2019 · Amount on File
Prior Sale	May 23, 2007 · Amount on File
Deed Document Number	201925386
Prior Transfer Date	Jun 20, 2019
Prior Transfer Doc	0000012613
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	321 PONDEROSA LN, KALISPELL, MT 59901-6835
Transaction Type	Mortgage
Record Updated	Aug 10, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800004543
Date	Mar 8, 2018
Instrument	201800004543

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Oct 15, 2019
Property Address	321 PONDEROSA LN, KALISPELL, MT 59901-6835
Document Number	201900026141
Instrument Date	Oct 7, 2019
Instrument	201900026141
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	TITLE SOURCE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	321 PONDEROSA LN, KALISPELL, MT 59901-6835

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Oct 7, 2019
Property Address	321 PONDEROSA LN, KALISPELL, MT 59901-6835
Document Number	201900025386
Instrument Date	Sep 27, 2019
Instrument	201900025386
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	321 PONDEROSA LN, KALISPELL, MT 59901-6835

Mortgage

Document Number	201900025387
Date	Oct 7, 2019
Instrument	201900025387

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2039

Tax Assessment & Valuation

The 2026 property tax bill for 321 Ponderosa Ln was $2,956.

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,956.00	$711,400
2025			$711,400 Land $229,974 Building $481,426
2023	$4,433.00	$530,400	$530,400 Land $117,138 Building $413,262

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

Flood

FEMA maps place 321 Ponderosa Ln 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	Severe Storms,ice Jams, Snow Melt, Flooding, May 1997 · 3 claims

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

Wildfire risk around 321 Ponderosa Ln 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 94% of the US · lower than 98.8% of Montana
Wildfire Likelihood	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	PONDEROSA HOMEOWNERS ASSN INC private · serves 246 people · EPA ID MT0002863
Water Source	Groundwater
Last State Inspection	May 2026
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
CenturyLink Fiber	940 / 940
Verizon Fixed Wireless	300 / 20
Bullitt Communications Fixed Wireless	100 / 50
AT&T Fixed Wireless	100 / 20

May also be available: MontanaSky Networks.

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