Lake County property record for 34575 Gunlock Rd, Charlo, MT 59824 · Last verified October 2025
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3 ba · 2,080 sqft · built 1981 |
| Lot Size | 7.96 acres (346,738 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,232 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R1514961 |
| Primary APN | R1514961 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,080 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| 2nd Floor Area | 960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gambrel |
| Roof Material | Metal |
| Lot Area | 346,738 sqft (7.96 acres) |
| Garage Type | Mixed |
| Garage Area | 1,975 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | 130 sqft |
| Lean-To | Lean-To |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000012749 |
|---|---|
| Street Address | 34575 GUNLOCK RD |
| City | CHARLO |
| State | MT |
| Zip | 59824-9734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | S12, T19 N, R20 W, C.O.S. 5265, PARCEL TR 1-A, ACRES 7.96 |
| Legal Tract | 1-A |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 4 |
| Census Block | 4130 |
| Census Tract | 940600 |
Source: Lake County records · APN R1514961
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 34575 GUNLOCK RD, CHARLO, MT 59824-9734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 31, 2025 | Deed of Trust, Mortgage · Conventional Mortgage VALLEY BANK OF RONAN |
| Apr 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Dec 08, 2017 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 30, 2020 |
| Deed Sale | Apr 30, 2020 |
| Prior Sale | Sep 26, 2014 |
| Deed Document Number | 576771 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 34575 GUNLOCK RD, CHARLO, MT 59824-9734 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 114 N RAINBOW LAKE TER, WICHITA, KS 67235-8530 |
| Document Number | 0000635350 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 635350 |
| Name | VALLEY BANK OF RONAN |
|---|---|
| Type | Bank |
| Address | RONAN, MT 59864 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MT |
| Recording Date | Apr 30, 2020 |
| Property Address | 34575 GUNLOCK RD, CHARLO, MT 59824-9734 |
| Document Number | 576771 |
| Instrument Date | Apr 28, 2020 |
| Instrument | 576771 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 34575 GUNLOCK RD, CHARLO, MT 59824-9734 |
| Investor | Possibly a Property Investor |
| Document Number | 576772 |
|---|---|
| Date | Apr 30, 2020 |
| Instrument | 576772 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 34575 GUNLOCK RD, CHARLO, MT 59824-9734 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 559544 |
|---|---|
| Date | Dec 08, 2017 |
| Instrument | 559544 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Dec 01, 2044 |
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 | $3,232.00 (-17.57%) | $596,900 (+22.62%) | $596,900 (+22.62%) Land $165,308 Building $431,592 |
| 2023 | $3,921.00 | $486,800 | $486,800 Land $99,528 Building $387,272 |
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 46% of the US · above 22% of Montana |
|---|---|
| Wildfire Likelihood | About 1 in 1,087 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 3 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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