Lake County property record for 32646 Delaro Ranch Rd, Bigfork, MT 59911
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,232 sqft · built 2000 |
| Lot Size | 10 acres (436,471 sqft) |
| Owner | Individual Name on File |
| Last Sale | $720,860 (May 2026) |
| Tax Bill | $2,687 (2026) |
| Deeds & Mortgages | Jan 2006 Mortgage May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R158315 |
| Primary APN | R158315 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| 1st Floor Area | 1,232 sqft |
| Basement Area | 616 sqft |
| Finished Basement | 616 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 436,471 sqft (10 acres) |
| Terrain | Rolling |
| View / Lot | Mountain |
| Garage Type | Mixed |
| Garage Area | 1,528 sqft |
| Parking Spaces | 9 Parking Spaces |
| Deck Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000006139 |
|---|---|
| Street Address | 32646 DELARO RANCH RD |
| City | BIGFORK |
| State | MT |
| Zip | 59911-7429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S17, T26 N, R19 W, C.O.S. 4906, PARCEL A, ACRES 10.02 |
| Legal Range | 19W |
| Legal Township | 26N |
| Legal Section | 17 |
| Legal Subdivision | COS 4906 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | WOODS BAY-ROLLINS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 200 |
32646 Delaro Ranch Rd is owned and occupied by an individual who bought it in May 2026.
Source: Lake County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 32646 DELARO RANCH RD, BIGFORK, MT 59911-7429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 10, 2006 | Deed of Trust, Mortgage BENEFICIAL MONTANA INC |
| May 5, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2026 · Amount on File |
| Deed Sale | May 5, 2026 · Amount on File |
| Deed Document Number | 2026638488 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 32646 DELARO RANCH RD, BIGFORK, MT 59911-7429 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000465811 |
|---|---|
| Date | Jan 10, 2006 |
| Instrument | 465811 |
| Name | BENEFICIAL MONTANA INC |
|---|---|
| Type | Non-Lending Institution |
| Address | KALISPELL, MT 59901 |
| Amount | Amount on Record |
|---|---|
| Term | 239 Months |
| Due | Dec 15, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MT |
| Recording Date | May 5, 2026 |
| Property Address | 32646 DELARO RANCH RD, BIGFORK, MT 59911-7429 |
| Document Number | 0000638488 |
| Instrument Date | May 4, 2026 |
| Instrument | 2026.638488 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 32646 DELARO RANCH RD, BIGFORK, MT 59911-7429 |
| Document Number | 0000638489, |
|---|---|
| Date | May 5, 2026 |
| Instrument | 2026.638489 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2026 property tax bill for 32646 Delaro Ranch Rd was $2,687, down 8.7% from the year before.
Source: Lake County assessment roll, as of September 11, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,687.00 (-8.67%) | $745,800 (-) | |
| 2025 | $2,942.00 | $745,800 | $745,800 Land $251,986 Building $493,814 |
| 2023 | $3,035.00 | $500,900 | $500,900 Land $173,276 Building $327,624 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 32646 Delaro Ranch Rd in Zone X, an area of minimal flood risk.
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 risk around 32646 Delaro Ranch Rd is high, ranking above 82% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 82% of the US · above 74% 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.
Source: FCC Broadband Data Collection, based on 16 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 |
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