Lake County property record for 34412 Gunlock Rd, Charlo, MT 59824 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 872 sqft · built 1930 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $505 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R1514489 |
| Primary APN | R1514489 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 872 sqft Living Area |
| 1st Floor Area | 872 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Shingles |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 217,800 sqft (5 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Floor/Wall Furnace |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000012522 |
|---|---|
| Street Address | 34412 GUNLOCK RD |
| City | CHARLO |
| State | MT |
| Zip | 59824-9739 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S01, T19 N, R20 W, TR IN SW4SE4 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 4 |
| Census Block | 4131 |
| Census Tract | 940600 |
Source: Lake County records · APN R1514489
Assessment roll updated December 31, 2024 · Last verified October 2025
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 File |
|---|---|
| Mailing Address | 34412 GUNLOCK RD, CHARLO, MT 59824-9739 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 09, 2019 | Deed of Trust, Mortgage · USDA Mortgage UNITED STATES OF AMERICA |
| May 30, 2019 | Deed of Trust, Mortgage COMMUNITY ACTION PARTNERSHIP OF NORTHWES |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 34412 GUNLOCK RD, CHARLO, MT 59824-9739 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2019 |
| Name | Verified Name |
|---|
| Document Number | 572074 |
|---|---|
| Date | Sep 09, 2019 |
| Instrument | 572074 |
| Name | UNITED STATES OF AMERICA |
|---|---|
| Type | Government Agency |
| Address | SAINT LOUIS, MO 63166 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 03, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 34412 GUNLOCK RD, CHARLO, MT 59824-9739 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2019 |
| Name | Verified Name |
|---|
| Document Number | 569344 |
|---|---|
| Date | May 30, 2019 |
| Instrument | 569344 |
| Name | COMMUNITY ACTION PARTNERSHIP OF NORTHWES |
|---|---|
| Type | Non-Lending Institution |
| Address | KALISPELL, MT 59904 |
| Amount | Amount Recorded |
|---|
Source: Lake County records · Assessment roll updated December 31, 2024 · Last verified October 2025
| Type | Name |
|---|---|
| State | Montana |
| County | Lake County |
| Unified School District | St. Ignatius K-12 Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $505.00 (-26.71%) | $246,900 (+15.64%) | $246,900 (+15.64%) Land $136,300 Building $110,600 |
| 2023 | $689.00 | $213,500 | $213,500 Land $72,000 Building $141,500 |
Source: FEMA National Flood Hazard Layer, Lake County (30047C), updated November 16, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Moderate above 49% of the US · above 25% of Montana |
|---|---|
| Wildfire Likelihood | About 1 in 840 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 6 locations within about half a mile of this property, a small sample
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Blackfoot Telephone Cooperative | DSL | 10 / 1 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.
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