33628 Whitecap Ln, Bigfork, MT 59911 Property Records

Lake County property record for 33628 Whitecap Ln, Bigfork, MT 59911

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,491 sqft · built 1991
Lot Size	0.73 acres (31,799 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,000,000 (Jun 2017)
Tax Bill	$29,501 (2026)
Deeds & Mortgages	Jan 2019 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R1518463`

Property Details

APN / Parcel Number

Primary APN	`R1518463`
Alternative APNs	`15-3708-19-3-02-14-0000` `0000015419`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,491 sqft Living Area
1st Floor Area	3,183 sqft
2nd Floor Area	308 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2015
Architectural Style	Modern
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	31,799 sqft (0.73 acres)
Lot Dimensions	308 ft deep x 302 ft wide
Terrain	Rolling
View / Lot	Waterfront / Beach
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,086 sqft
Deck Area	3,742 sqft
Shed	1 Shed
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000015419
Street Address	33628 WHITECAP LN
City	BIGFORK
State	MT
Zip	59911-8463
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROMAIN ESTATES, S19, T26 N, R19 W, LOT 1, ACRES 2.87, LT 1A OF AMND LT 1
Legal Range	19W
Legal Township	26N
Legal Section	19
Legal Subdivision	ROMAIN ESTATES
Legal Lot Number	1,1A
Jurisdiction	LAKE MT
Township / Civil Division	WOODS BAY-ROLLINS
Census Block Group	1
Census Block	1039
Census Tract	200

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
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2019	Deed of Trust, Mortgage · ARM RBC BANK USA
Jun 19, 2017	Intrafamily Transfer, Transfer · ARM RBC BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2017 · Amount on Record
Deed Sale	Jun 19, 2017 · Amount on Record
Prior Sale	Apr 9, 2008
Deed Document Number	2017555650
Prior Transfer Date	Jun 15, 2017
Prior Transfer Doc	555650
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	33628 WHITECAP LN, BIGFORK, MT 59911-8463
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	567529
Date	Jan 28, 2019
Instrument	567529

Lender

Name	RBC BANK USA
Type	Bank
Address	RALEIGH, NC 27617

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Feb 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

June 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE MT
Recording Date	Jun 19, 2017
Property Address	33628 WHITECAP LN, BIGFORK, MT 59911-8463
Document Number	555650
Instrument Date	Jun 15, 2017
Instrument	555650
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 DEL NORTE RD, OJAI, CA 93023-1705

Mortgage

Document Number	555651
Date	Jun 19, 2017
Instrument	555651

Lender

Name	RBC BANK USA
Type	Bank
Address	RALEIGH, NC 27617

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jul 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

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	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
2026	$29,501.00 (+9.33%)	$3,921,630 (-)
2025	$26,983.00 (+61.89%)	$3,921,630 (+34.21%)	$3,921,630 (+34.21%) Land $1,782,200 Building $2,139,430
2023	$16,667.00	$2,921,990	$2,921,990 Land $1,303,600 Building $1,618,390

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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