346 Spruce Meadows Loop, Kalispell, MT 59901 Property Records

Flathead County property record for 346 Spruce Meadows Loop, Kalispell, MT 59901

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,437 sqft · built 2019
Lot Size	0.544 acres (23,697 sqft)
Owner	Individual Name on File
Tax Bill	$4,435 (2023)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2018 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R613697`

Property Details

APN / Parcel Number

Primary APN	`R613697`
Alternative APNs	`07-4079-34-3-04-13-0000` `0000504721`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,437 sqft Living Area
1st Floor Area	2,226 sqft
Attic Area	211 sqft

Exterior

Year Built	Built 2019
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,697 sqft (0.544 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	242 sqft
Deck Area	435 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	0000504721
Street Address	346 SPRUCE MEADOWS LOOP
City	KALISPELL
State	MT
Zip	59901-1023
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SPRUCE MEADOWS, S34, T29 N, R20 W, LOT 25, ACRES 0.544
Legal Range	20W
Legal Township	29N
Legal Section	34
Legal Quarter	SW
Legal Subdivision	SPRUCE MEADOWS
Legal Lot Number	25
Jurisdiction	FLATHEAD MT
Township / Civil Division	BAD ROCK-COLUMBIA HEIGHTS
Census Block Group	1
Census Block	1017
Census Tract	602

Owner

Source: Flathead County records · APN R613697

Assessment roll updated December 31, 2022 · Last verified September 2023

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	346 SPRUCE MEADOWS LOOP, KALISPELL, MT 59901-1023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED MILITARY MORTGAGE LLC
Aug 29, 2018	Deed of Trust, Mortgage · Construction Mortgage THREE RIVERS BANK OF MONTANA
Aug 07, 2019	Warranty Deed, Transfer · VA Mortgage USAA FSB
Jun 08, 2018	Warranty Deed, Transfer INSURED TITLE, INSURED TITLES

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 07, 2019
Deed Sale	Aug 07, 2019
Prior Sale	Jun 08, 2018
Deed Document Number	201900017639
Record Updated	Jun 07, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	346 SPRUCE MEADOWS LOOP, KALISPELL, MT 59901-1023
Transaction Type	Mortgage
Record Updated	Feb 19, 2021
Title Company	TITLEVEST AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100004895
Date	Feb 10, 2021
Instrument	202100004895

Lender

Name	UNITED MILITARY MORTGAGE LLC
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	346 SPRUCE MEADOWS LOOP, KALISPELL, MT 59901-1023
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	INSURED TITLE, INSURED TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800020589
Date	Aug 29, 2018
Instrument	201800020589

Lender

Name	THREE RIVERS BANK OF MONTANA
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Sep 01, 2019

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Aug 07, 2019
Property Address	346 SPRUCE MEADOWS LOOP, KALISPELL, MT 59901-1023
Document Number	201900017639
Instrument Date	Aug 05, 2019
Instrument	201900017639
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	346 SPRUCE MEADOWS LOOP, KALISPELL, MT 59901-1023

Mortgage

Document Number	201900017640
Date	Aug 07, 2019
Instrument	201900017640

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jun 08, 2018
Property Address	346 SPRUCE MEADOWS LOOP, KALISPELL, MT 59901-1023
Document Number	201800011402
Instrument Date	Jun 08, 2018
Instrument	201800011402
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 PAPA LN, KALISPELL, MT 59901-8488

Tax Assessment & Valuation

Source: Flathead County records · Assessment roll updated December 31, 2022 · Last verified September 2023

Property Jurisdictions

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

Tax Bill & Assessment History

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
2023	$4,435.00	$611,100	$611,100 Land $109,024 Building $502,076

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Flathead County (30029C), as of November 16, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 300290006021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	5 (1990–2014)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jun 2014 · rainfall accumulation
Claims by Event	Severe Storms,ice Jams, Snow Melt, Flooding, Jun 1997 · 3 claims

Wildfire

Wildfire Risk	Moderate above 44% of the US · lower than 79% of Montana
Wildfire Likelihood	0.08% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Richon, Verizon, VFN Holdings.

Based on FCC filings for 25 locations within half a mile of this property.

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