Flathead County property record for 3815 Lower Valley Rd, Kalispell, MT 59901
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,996 sqft · built 2009 |
| Lot Size | 1.71 acres (74,488 sqft) |
| Owner | Trust Name on File |
| Last Sale | $414,400 (Jun 2021) |
| Tax Bill | $6,022 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage Jun 2021 Transfer + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | R0738013 |
| Primary APN | R0738013 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,996 sqft Living Area |
| 1st Floor Area | 1,785 sqft |
| Attic | Attic |
| Attic Area | 211 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 74,488 sqft (1.71 acres) |
| Garage Type | Mixed |
| Garage Area | 1,296 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 436 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000000099 |
|---|---|
| Street Address | 3815 LOWER VALLEY RD |
| City | KALISPELL |
| State | MT |
| Zip | 59901-1800 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Description | S16, T27 N, R20 W, ACRES 1.71, COS 17802-B, TR 1BCDA IN NW4 |
| Legal Range | 20W |
| Legal Township | 27N |
| Legal Section | 16 |
| Legal Subdivision | CERTIFICATE OF SURVEY #17802 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | LAKESIDE-SOMERS |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 1401 |
3815 Lower Valley Rd is held in a trust since June 2021.
Source: Flathead County records, as of September 11, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 3815 LOWER VALLEY RD, KALISPELL, MT 59901-1800 |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 21, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 9, 2021 | Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF FLAT |
| Nov 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 25, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 29, 2017 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 21, 2021 · Amount on File |
| Deed Sale | Jun 21, 2021 · Amount on File |
| Prior Sale | Mar 29, 2017 · Amount on File |
| Deed Document Number | 202120986 |
| Prior Transfer Date | Jun 8, 2021 |
| Prior Transfer Doc | 0000019806 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Jun 21, 2021 |
| Property Address | 3815 LOWER VALLEY RD, KALISPELL, MT 59901-1800 |
| Document Number | 202100020986 |
| Instrument Date | Jun 15, 2021 |
| Instrument | 202100020986 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 3815 LOWER VALLEY RD, KALISPELL, MT 59901-1800 |
| Document Number | 202100020985 |
|---|---|
| Date | Jun 21, 2021 |
| Instrument | 202100020985 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 205 Months |
| Due | Jul 1, 2038 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Jun 9, 2021 |
| Property Address | 3815 LOWER VALLEY RD, KALISPELL, MT 59901-1800 |
| Document Number | 202100019806 |
| Instrument Date | Jun 8, 2021 |
| Instrument | 202100019806 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF FLAT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3815 LOWER VALLEY RD, KALISPELL, MT 59901-1800 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 3815 LOWER VALLEY RD, KALISPELL, MT 59901-1800 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201900030701 |
|---|---|
| Date | Nov 22, 2019 |
| Instrument | 201900030701 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 3815 LOWER VALLEY RD, KALISPELL, MT 59901-1800 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2018 |
| Name | Verified Name |
|---|
| Document Number | 201800015330 |
|---|---|
| Date | Jul 25, 2018 |
| Instrument | 201800015330 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Mar 29, 2017 |
| Property Address | 3815 LOWER VALLEY RD, KALISPELL, MT 59901-1800 |
| Document Number | 201700006464 |
| Instrument Date | Mar 27, 2017 |
| Instrument | 201700006464 |
| 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 | 2249 BRECKENRIDGE DR, BERTHOUD, CO 80513-7003 |
| Document Number | 201700006465 |
|---|---|
| Date | Mar 29, 2017 |
| Instrument | 201700006465 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
The 2026 property tax bill for 3815 Lower Valley Rd was $6,022.
Source: Flathead County assessment roll, as of September 11, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,022.00 | $855,600 | |
| 2025 | $855,600 Land $196,238 Building $659,362 | ||
| 2023 | $4,383.00 | $639,900 | $639,900 Land $131,187 Building $508,713 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3815 Lower Valley Rd in Zone X, an area of moderate flood risk.
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.
The area around 3815 Lower Valley Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 2 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 / 3 |
| T-Mobile Fixed Wireless | 25 / 3 |
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