327 Ponderosa Ln, Kalispell, MT 59901 Property Records

Flathead County property record for 327 Ponderosa Ln, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,656 sqft · built 1990
Lot Size	0.632 acres (27,530 sqft)
Owner	Individual Name on File
Last Sale	$586,983 (Feb 2025)
Tax Bill	$6,017 (2026)
Deeds & Mortgages	May 2020 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0788469`

Property Details

APN / Parcel Number

Primary APN	`R0788469`
Alternative APNs	`07-4078-19-2-04-35-0000` `0000967861`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,656 sqft Living Area
1st Floor Area	1,485 sqft
2nd Floor Area	2,171 sqft
Basement Area	1,384 sqft
Finished Basement	1,384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,530 sqft (0.632 acres)
Garage Type	Mixed
Garage Area	2,200 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	184 sqft
Deck Area	286 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000967861
Street Address	327 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 27
Legal Range	21W
Legal Township	29N
Legal Section	19
Legal Subdivision	PONDEROSA AMD
Legal Lot Number	27
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	2
Census Block	2031
Census Tract	601

Owner

327 Ponderosa Ln is owned and occupied by an individual who bought it in February 2025.

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

Owner of Record	Individual Name on File
Mailing Address	327 PONDEROSA LN, KALISPELL, MT 59901-6835
Occupancy	Owner Occupied
Owner Type	Individual

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
May 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Jul 15, 2019	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Nov 22, 2017	Warranty Deed, Transfer · ARM GLACIER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2025 · Amount on File
Deed Sale	Feb 19, 2025 · Amount on File
Prior Sale	Jul 15, 2019 · Amount on File
Deed Document Number	20253267
Prior Transfer Date	Oct 15, 2024
Prior Transfer Doc	0000003267
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	327 PONDEROSA LN, KALISPELL, MT 59901-6835
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000011593
Date	May 6, 2020
Instrument	202000011593

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jul 15, 2019
Property Address	327 PONDEROSA LN, KALISPELL, MT 59901-6835
Document Number	201900014339
Instrument Date	Jul 11, 2019
Instrument	201900014339
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF FLAT

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
Address	327 PONDEROSA LN, KALISPELL, MT 59901-6835

Mortgage

Document Number	201900014340
Date	Jul 15, 2019
Instrument	201900014340

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Nov 22, 2017
Property Address	327 PONDEROSA LN, KALISPELL, MT 59901-6835
Document Number	201700029026
Instrument Date	Nov 15, 2017
Instrument	201700029026
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 PONDEROSA LN, KALISPELL, MT 59901-6835

Mortgage

Document Number	201700029027
Date	Nov 22, 2017
Instrument	201700029027

Lender

Name	GLACIER BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Dec 1, 2022
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.5%
Index	5-Year CMT
Margin	3
Max Rate	9.5%

Tax Assessment & Valuation

The 2026 property tax bill for 327 Ponderosa Ln was $6,017.

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	$6,017.00	$1,278,500
2025			$1,278,500 Land $229,725 Building $1,048,775
2023	$7,792.00	$932,200	$932,200 Land $116,738 Building $815,462

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

Flood

FEMA maps place 327 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 327 Ponderosa Ln is low, with a 0.02% annual chance of 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	0.02% 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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