3295 Lower Valley Rd, Kalispell, MT 59901 Property Records

Flathead County property record for 3295 Lower Valley Rd, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,394 sqft · built 2004
Lot Size	3.5 acres (152,765 sqft)
Owner	2 Individual Names on Record
Last Sale	$846,500 (Aug 2017)
Tax Bill	$7,383 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`R0738378`

Property Details

APN / Parcel Number

Primary APN	`R0738378`
Alternative APNs	`07-3835-09-2-01-20-0000` `0000000452`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,394 sqft Living Area
1st Floor Area	1,991 sqft
Attic	Attic
Attic Area	403 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	152,765 sqft (3.5 acres)
Lot Dimensions	250 ft deep x 100 ft wide
Garage Type	Mixed
Garage Area	1,844 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	217 sqft
Deck Area	96 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000000452
Street Address	3295 LOWER VALLEY RD
City	KALISPELL
State	MT
Zip	59901-8068
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S09, T27 N, R20 W, 15062-1, PARCEL N/A, TR 2CACA IN E2 L1
Legal Range	20W
Legal Township	27N
Legal Section	09
Legal Tract	1
Jurisdiction	FLATHEAD MT
Township / Civil Division	LAKESIDE-SOMERS
Census Block Group	2
Census Block	2001
Census Tract	1401

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3295 LOWER VALLEY RD, KALISPELL, MT 59901-8068
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CU
Aug 1, 2017	Warranty Deed, Transfer · ARM WHITEFISH CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2017 · Amount on Record
Deed Sale	Aug 1, 2017 · Amount on Record
Deed Document Number	201718039
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	3295 LOWER VALLEY RD, KALISPELL, MT 59901-8068
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	INSURED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200010835
Date	Apr 27, 2022
Instrument	202200010835

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Aug 1, 2017
Property Address	3295 LOWER VALLEY RD, KALISPELL, MT 59901-8068
Document Number	201700018039
Instrument Date	Aug 1, 2017
Instrument	201700018039
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	INSURED TITLE, INSURED TITLES

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	3295 LOWER VALLEY RD, KALISPELL, MT 59901-8068

Mortgage

Document Number	201700018040
Date	Aug 1, 2017
Instrument	201700018040

Lender

Name	WHITEFISH CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	5.12%
Index	5-Year CMT
Margin	1
Max Rate	8.12%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,383.00 (-18.76%)	$1,732,345 (+36.64%)
2025			$1,732,345 (+36.64%) Land $996,395 Building $735,950
2023	$9,088.00	$1,267,800	$1,267,800 Land $522,318 Building $745,482

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	7 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	Low lower than 98% of the US · lower than 99.5% of Montana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glacier Broadband Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
MontanaSky Networks Fixed Wireless	50 / 10

May also be available: Bullitt Communications, CenturyLink.

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