382 Bear Trl, Whitefish, MT 59937 Property Records

Flathead County property record for 382 Bear Trl, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,536 sqft · built 2011
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,362 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Aug 2026 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`R0776196`

Property Details

APN / Parcel Number

Primary APN	`R0776196`
Alternative APNs	`07-4184-25-4-06-20-0000` `0000615335`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,536 sqft Living Area
1st Floor Area	1,536 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,344 sqft (0.49 acres)
Terrain	Above Road/Slope
View / Lot	Mountain
Porch	Slab
Porch Area	120 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000615335
Street Address	382 BEAR TRL
City	WHITEFISH
State	MT
Zip	59937-8456
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	HAPPY VALLEY HOME SITES, S25, T30 N, R22 W, LOT 470
Legal Range	22W
Legal Township	30N
Legal Section	25
Legal Subdivision	HAPPY VALLEY HOME SITES
Legal Lot Number	470
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	2
Census Block	2001
Census Tract	403

Owner

Source: Flathead County records, as of September 11, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	382 BEAR TRL, WHITEFISH, MT 59937-8456
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Line of Credit FREEDOM BANK
Aug 19, 2026	Deed of Trust, Mortgage · Line of Credit FREEDOM BANK
Feb 11, 2026	Intrafamily Transfer, Transfer
Feb 11, 2026	Transfer on Death Deed, Transfer
Mar 20, 2024	Deed of Trust, Mortgage · Line of Credit NEXA MORTGAGE LLC
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Mar 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Apr 11, 2018	Deed of Trust, Mortgage · Construction Mortgage GLACIER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 6, 2026
Transfer Doc	0000002860
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Recording Date	Sep 8, 2026
Property Address	382 BEAR TRL, WHITEFISH, MT 59937-8456
Document Number	0000020150
Instrument Date	Sep 1, 2026
Instrument	202620150
Transaction Type	Mortgage
Record Updated	Sep 30, 2026
Title Company	TITLE TEAM LLC, TITLE TEAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	382 BEAR TRL, WHITEFISH, MT 59937-8456

Mortgage

Document Number	0000020150,
Date	Sep 8, 2026
Instrument	202620150

Lender

Name	FREEDOM BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Recording Date	Aug 19, 2026
Property Address	382 BEAR TRL, WHITEFISH, MT 59937-8456
Document Number	0000017913
Instrument Date	Aug 10, 2026
Instrument	202617913
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	TITLE TEAM LLC, TITLE TEAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	382 BEAR TRL, WHITEFISH, MT 59937-8456

Mortgage

Document Number	0000017913,
Date	Aug 19, 2026
Instrument	202617913

Lender

Name	FREEDOM BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Feb 11, 2026
Property Address	382 BEAR TRL, WHITEFISH, MT 59937-8456
Document Number	202600002859
Instrument Date	Feb 6, 2026
Instrument	202600002859
Transaction Type	Transfer
Record Updated	Feb 25, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	382 BEAR TRL, WHITEFISH, MT 59937-8456

February 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	FLATHEAD MT
Recording Date	Feb 11, 2026
Property Address	382 BEAR TRL, WHITEFISH, MT 59937-8456
Document Number	202600002860
Instrument Date	Feb 6, 2026
Instrument	202600002860
Transaction Type	Transfer
Record Updated	Feb 25, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	382 BEAR TRL, WHITEFISH, MT 59937-8456

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	382 BEAR TRL, WHITEFISH, MT 59937-8456
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	382 BEAR TRL, WHITEFISH, MT 59937-8456
Investor	Possibly a Property Investor

Mortgage

Document Number	202400004820
Date	Mar 20, 2024
Instrument	202400004820

Lender

Name	NEXA MORTGAGE LLC
Type	Mortgage Company
Address	CHANDLER, AZ 85226

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 10, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	382 BEAR TRL, WHITEFISH, MT 59937-8456
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100011503
Date	Apr 2, 2021
Instrument	202100011503

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	382 BEAR TRL, WHITEFISH, MT 59937-8456
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALLIANCE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000008252
Date	Mar 31, 2020
Instrument	202000008252

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	382 BEAR TRL, WHITEFISH, MT 59937-8456
Transaction Type	Mortgage
Record Updated	Sep 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800021265
Date	Sep 5, 2018
Instrument	201800021265

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	382 BEAR TRL, WHITEFISH, MT 59937-8456
Transaction Type	Mortgage
Record Updated	Apr 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800006965
Date	Apr 11, 2018
Instrument	201800006965

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.62%
Index	1-Year CMT
Margin	3
Max Rate	9.62%

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	Whitefish Elementary School District (PK - 08)
Secondary School District	Whitefish High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,362.00 (-7.6%)	$514,300 (-)
2025	$1,474.00 (-43.95%)	$514,300 (+20.28%)	$514,300 (+20.28%) Land $112,882 Building $401,418
2023	$2,630.00	$427,600	$427,600 Land $81,890 Building $345,710

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 40% of the US · lower than 83% of Montana
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FLATHEAD CO WATER DISTRICT NO 8 private · serves 475 people · EPA ID MT0000261
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
MontanaSky Networks Fiber	1,000 / 1,000

May also be available: Verizon.

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