3804 Lower Valley Rd, Kalispell, MT 59901 Property Records

Flathead County property record for 3804 Lower Valley Rd, Kalispell, MT 59901

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,392 sqft · built 1996
Lot Size	4.86 acres (211,702 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,822 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Jun 2021 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`R07100648`

Property Details

APN / Parcel Number

Primary APN	`R07100648`
Alternative APNs	`07-3835-17-1-01-47-0000` `0000980524`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,392 sqft Living Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Architectural Style	Mobile Home
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	211,702 sqft (4.86 acres)

Exterior Amenities

Porch	Slab
Deck Area	568 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	0000980524
Street Address	3804 LOWER VALLEY RD
City	KALISPELL
State	MT
Zip	59901-1800
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOWER VALLEY AC, S17, T27 N, R20 W, BLOCK 0, LOT 1, LOWER VALLEY AC LOT 1
Legal Range	20W
Legal Township	27N
Legal Section	17
Legal Subdivision	LOWER VALLEY AC
Legal Lot Number	1
Jurisdiction	FLATHEAD MT
Township / Civil Division	LAKESIDE-SOMERS
Census Block Group	2
Census Block	2051
Census Tract	1401

Owner

Source: Flathead County records, as of September 11, 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
Mailing Address	3804 LOWER VALLEY RD, KALISPELL, MT 59901-1800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 14, 2021	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Jul 7, 2020	Grant Deed, Transfer · Conventional Mortgage WHITEFISH CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2021
Deed Sale	Jun 14, 2021
Prior Sale	Jul 7, 2020 · Amount on Record
Deed Document Number	202120217
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	3804 LOWER VALLEY RD, KALISPELL, MT 59901-1800
Transaction Type	Mortgage
Record Updated	Jan 2, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3804 LOWER VALLEY RD, KALISPELL, MT 59901-1800

Mortgage

Document Number	202500026520
Date	Dec 10, 2025
Instrument	202500026520

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jun 14, 2021
Property Address	3804 LOWER VALLEY RD, KALISPELL, MT 59901-1800
Document Number	202100020217
Instrument Date	Jun 11, 2021
Instrument	202100020217
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11510 WHITEHORSE RD, TRUCKEE, CA 96161-1439

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jul 7, 2020
Property Address	3804 LOWER VALLEY RD, KALISPELL, MT 59901-1800
Document Number	202000018496
Instrument Date	Jul 7, 2020
Instrument	202000018496
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	255 TREE FARM TRL, BIGFORK, MT 59911-6183

Mortgage

Document Number	202000018497
Date	Jul 7, 2020
Instrument	202000018497

Lender

Name	WHITEFISH CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

Source: Flathead County assessment roll, as of September 11, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Flathead County
Elementary School District	Somers 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	$3,822.00 (+50.53%)	$543,108 (+46.5%)
2025			$543,108 (+46.5%) Land $283,808 Building $259,300
2023	$2,539.00	$370,712	$370,712 Land $161,742 Building $208,970

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	7 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 95% of the US · lower than 98.9% of Montana
Wildfire Likelihood	Under 0.01% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glacier Broadband Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
MontanaSky Networks Fixed Wireless	50 / 10
CenturyLink DSL	40 / 5

May also be available: AT&T, Bullitt Communications.

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