32185 Birch Tree Dr, Bigfork, MT 59911 Property Records

Lake County property record for 32185 Birch Tree Dr, Bigfork, MT 59911

Property Summary

Property Type	Rural Home
Details	3 bd · 3.5 ba · 3,117 sqft · built 2023
Lot Size	10.7 acres (468,139 sqft)
Owner	2 Company Names on Record
Last Sale	$125,000 (Jun 2017)
Tax Bill	$4,745 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R158329`

Property Details

APN / Parcel Number

Primary APN	`R158329`
Alternative APNs	`15-3708-29-1-01-06-0000` `0000006154`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,117 sqft Living Area
1st Floor Area	2,523 sqft
Attic	Attic
Attic Area	594 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	468,139 sqft (10.7 acres)
Terrain	Steep
Garage Area	884 sqft
Parking Spaces	4 Parking Spaces
Porch	Patio
Porch Area	128 sqft
Deck Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000006154
Street Address	32185 BIRCH TREE DR
City	BIGFORK
State	MT
Zip	59911
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	1
Legal Description	S29, T26 N, R19 W, C.O.S. 5095, ACRES 10.75, TR 6
Legal Range	19W
Legal Township	26N
Legal Section	29
Legal Subdivision	CERTIFICATE OF SURVEY #5095
Legal Tract	6
Jurisdiction	LAKE MT
Township / Civil Division	WOODS BAY-ROLLINS
Census Block Group	1
Census Block	1001
Census Tract	200

Owner

Source: Lake County records, as of November 25, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	PO BOX 1632, BIGFORK, MT 59911-1632
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2025	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jul 21, 2020	Deed of Trust, Mortgage · Construction Mortgage GLACIER BANK
Jun 6, 2017	Warranty Deed, Transfer · ARM US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2017 · Amount on Record
Deed Sale	Jun 6, 2017 · Amount on Record
Deed Document Number	2017555429
Last Transfer Date	Oct 16, 2024
Transfer Doc	0000613914
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	32185 BIRCH TREE DR, BIGFORK, MT 59911
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32185 BIRCH TREE DR, BIGFORK, MT 59911

Mortgage

Document Number	0000635567
Date	Nov 14, 2025
Instrument	635567

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	32185 BIRCH TREE DR, BIGFORK, MT 59911
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	593549
Date	Nov 5, 2021
Instrument	593549

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	32185 BIRCH TREE DR, BIGFORK, MT 59911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	578880
Date	Jul 21, 2020
Instrument	578880

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.75%
Index	1-Year CMT
Margin	3
Max Rate	9.75%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Jun 6, 2017
Property Address	32185 BIRCH TREE DR, BIGFORK, MT 59911
Document Number	555429
Instrument Date	May 23, 2017
Instrument	555429
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	19946 S LOWER HIGHLAND RD, BEAVERCREEK, OR 97004-9709

Mortgage

Document Number	555430
Date	Jun 6, 2017
Instrument	555430

Lender

Name	US BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2020
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

Tax Assessment & Valuation

Source: Lake County assessment roll, as of September 16, 2025

Property Jurisdictions

Type	Name
State	Montana
County	Lake County
Elementary School District	Bigfork Elementary School District (PK - 08)
Secondary School District	Bigfork High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,745.00 (+212.38%)	$1,177,447 (+344.2%)	$1,177,447 (+344.2%) Land $411,247 Building $766,200
2023	$1,519.00	$265,074	$265,074 Land $265,074

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 · 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
Nearby Flood Policies	1 in force

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

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

Wildfire Risk	High above 82% of the US · above 73% of Montana
Wildfire Likelihood	0.4% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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