36584 Narrows Rd, Polson, MT 59860 Property Records

Lake County property record for 36584 Narrows Rd, Polson, MT 59860

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,455 sqft · built 2001
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Jul 2018)
Tax Bill	$12,405 (2026)
Deeds & Mortgages	May 2020 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R15679`

Property Details

APN / Parcel Number

Primary APN	`R15679`
Alternative APNs	`15-3350-11-2-03-09-0000` `0000000376`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,455 sqft Living Area
1st Floor Area	1,621 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	29,185 sqft (0.67 acres)
Lot Dimensions	266 ft deep x 100 ft wide
Terrain	Steep
Garage Type	Detached
Garage Area	684 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	300 sqft
Deck Area	240 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000000376
Street Address	36584 NARROWS RD
City	POLSON
State	MT
Zip	59860-8036
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAFETY BAY TERRACE, S11, T23 N, R20 W, ACRES 0.61, LOT 11 & 1/19 INT IN LOT 20
Legal Range	20W
Legal Township	23N
Legal Section	11
Legal Subdivision	SAFETY BAY TERRACE
Legal Lot Number	11,20
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	1
Census Block	1010
Census Tract	940307

Owner

36584 Narrows Rd is owned by two individuals who bought it in July 2018.

Source: Lake County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3131 SENTINEL DR, BOZEMAN, MT 59715-8750
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK
May 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK OF BOZEMAN
Jul 6, 2018	Warranty Deed, Transfer · Commercial Mortgage FIRST SECURITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2018 · Amount on File
Deed Sale	Jul 6, 2018 · Amount on File
Deed Document Number	2018563082
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	36584 NARROWS RD, POLSON, MT 59860-8036
Transaction Type	Mortgage
Record Updated	May 21, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	576913
Date	May 7, 2020
Instrument	576913

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BOZEMAN, MT 59715

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	362 Months
Due	Jul 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	36584 NARROWS RD, POLSON, MT 59860-8036
Transaction Type	Mortgage
Record Updated	Jun 24, 2019
Title Company	INSURED TITLES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	569319
Date	May 28, 2019
Instrument	569319

Lender

Name	FIRST SECURITY BANK OF BOZEMAN
Type	Bank
Address	BOZEMAN, MT 59715

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Jul 6, 2018
Property Address	36584 NARROWS RD, POLSON, MT 59860-8036
Document Number	563082
Instrument Date	Jul 6, 2018
Instrument	563082
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1536, POLSON, MT 59860-1536

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3131 SENTINEL DR, BOZEMAN, MT 59715-8750

Mortgage

Document Number	563083
Date	Jul 6, 2018
Instrument	563083

Lender

Name	FIRST SECURITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 36584 Narrows Rd was $12,405, up 40.9% from the year before.

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	$12,405.00 (+40.85%)	$1,662,800 (-)
2025	$8,807.00	$1,662,800	$1,662,800 Land $930,000 Building $732,800
2023	$6,849.00	$1,067,500	$1,067,500 Land $460,000 Building $607,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 36584 Narrows Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	2 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

Wildfire risk around 36584 Narrows Rd is moderate, ranking above 46% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 78% of Montana
Wildfire Likelihood	0.07% 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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