32969 Emily Ln, Polson, MT 59860 Property Records

Lake County property record for 32969 Emily Ln, Polson, MT 59860

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,362 sqft · built 1989
Lot Size	1.82 acres (79,279 sqft)
Owner	2 Individual Names on Record
Last Sale	$129,600 (Sep 2009)
Tax Bill	$1,331 (2026)
Deeds & Mortgages	May 2026 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R152185`

Property Details

APN / Parcel Number

Primary APN	`R152185`
Alternative APNs	`15-3229-05-4-03-07-0000` `0000001602`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,362 sqft Living Area
1st Floor Area	1,050 sqft
Attic	Attic
Attic Area	166 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2000
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	79,279 sqft (1.82 acres)
Terrain	Rolling
Deck Area	224 sqft
Pole Barn	1,200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000001602
Street Address	32969 EMILY LN
City	POLSON
State	MT
Zip	59860-7957
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S05, T22 N, R19 W, COS 3210 (N2NWSW) SEC 4-22-19 H-1997 (NESE) SEC 5-22-19
Legal Range	19W
Legal Township	22N
Legal Section	05
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	2
Census Block	2007
Census Tract	940305

Owner

Source: Lake County records, as of October 20, 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	32969 EMILY LN, POLSON, MT 59860-7957
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage · Line of Credit WHITEFISH CREDIT UNION
Dec 7, 2020	Deed of Trust, Mortgage · VA Mortgage WINTRUST MORTGAGE
May 23, 2018	Deed of Trust, Mortgage · Commercial Mortgage GLACIER BANK
Apr 2, 2018	Deed of Trust, Mortgage · Commercial Mortgage GLACIER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2009 · Amount on Record
Deed Sale	Sep 10, 2009 · Amount on Record
Deed Document Number	2009501325
Prior Transfer Date	Apr 30, 2009
Prior Transfer Doc	501325
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Recording Date	May 6, 2026
Property Address	32969 EMILY LN, POLSON, MT 59860-7957
Document Number	0000638521
Instrument Date	May 6, 2026
Instrument	2026638521
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	32969 EMILY LN, POLSON, MT 59860-7957

Mortgage

Document Number	0000638521,
Date	May 6, 2026
Instrument	2026638521

Lender

Name	WHITEFISH CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 11, 2036

Interest

Rate Type	Balloon
Rate	6.37%
Initial Type	Balloon
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	32969 EMILY LN, POLSON, MT 59860-7957
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	583555
Date	Dec 7, 2020
Instrument	583555

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2050

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	32969 EMILY LN, POLSON, MT 59860-7957
Transaction Type	Mortgage
Record Updated	Jun 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	562227
Date	May 23, 2018
Instrument	562227

Lender

Name	GLACIER BANK
Type	Bank
Address	00000

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	32969 EMILY LN, POLSON, MT 59860-7957
Transaction Type	Mortgage
Record Updated	Apr 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	561335
Date	Apr 2, 2018
Instrument	561335

Lender

Name	GLACIER BANK
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,331.00 (-13.29%)	$387,300 (-)
2025	$1,535.00 (-29.88%)	$387,300 (+20.24%)	$387,300 (+20.24%) Land $120,282 Building $267,018
2023	$2,189.00	$322,100	$322,100 Land $67,132 Building $254,968

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	High above 83% of the US · above 75% of Montana
Wildfire Likelihood	0.7% 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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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