386 Bear Trl, Whitefish, MT 59937 Property Records

Flathead County property record for 386 Bear Trl, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,888 sqft · built 2003
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$605,150 (Jun 2026)
Tax Bill	$3,717 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2022 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`R0776379`

Property Details

APN / Parcel Number

Primary APN	`R0776379`
Alternative APNs	`07-4184-25-4-06-15-0000` `0000620720`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,888 sqft Living Area
1st Floor Area	1,240 sqft
2nd Floor Area	648 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,988 sqft (0.39 acres)
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000620720
Street Address	386 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 471, ASSR# 0000620720
Legal Range	22W
Legal Township	30N
Legal Section	25
Legal Subdivision	HAPPY VALLEY HOME SITES
Legal Lot Number	471
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	2
Census Block	2001
Census Tract	403

Owner

386 Bear Trl is owned by an individual who bought it in June 2026.

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	Individual Name on File
Mailing Address	5638 US HIGHWAY 93 S, WHITEFISH, MT 59937-8412
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Oct 11, 2022	Deed of Trust, Mortgage · Line of Credit GLACIER BANK
Jul 20, 2022	Deed of Trust, Mortgage · Line of Credit GLACIER BANK
Jan 6, 2020	Deed of Trust, Mortgage · FHA Mortgage DATA MORTGAGE INC
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK
Mar 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PLAINS COMMERCE BANK
Dec 17, 2018	Intrafamily Transfer, Transfer · FHA Mortgage DATA MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2026 · Amount on File
Deed Sale	Jun 10, 2026 · Amount on File
Prior Sale	Mar 15, 2021 · Amount on File
Deed Document Number	202611789
Prior Transfer Date	Jun 19, 2013
Prior Transfer Doc	0000015663
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jun 10, 2026
Property Address	386 BEAR TRL, WHITEFISH, MT 59937-8456
Document Number	0000011789
Instrument Date	Jun 9, 2026
Instrument	202611789
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011790,
Date	Jun 10, 2026
Instrument	202611790

Lender

Name	WINTRUST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	386 BEAR TRL, WHITEFISH, MT 59937-8456
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	INSURED TITLE, INSURED TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 BEAR TRL, WHITEFISH, MT 59937-8456

Mortgage

Document Number	202200026511
Date	Oct 11, 2022
Instrument	202200026511

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	386 BEAR TRL, WHITEFISH, MT 59937-8456
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	INSURED TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200017710
Date	Jul 20, 2022
Instrument	202200017710

Lender

Name	GLACIER BANK
Type	Bank
Address	WHITEFISH, MT 59937

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	386 BEAR TRL, WHITEFISH, MT 59937-8456
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000000302
Date	Jan 6, 2020
Instrument	202000000302

Lender

Name	DATA MORTGAGE INC
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2049

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	386 BEAR TRL, WHITEFISH, MT 59937-8456
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	FLATHEAD PREMIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100042114
Date	Dec 8, 2021
Instrument	202100042114

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Mar 15, 2021
Property Address	386 BEAR TRL, WHITEFISH, MT 59937-8456
Document Number	202100008723
Instrument Date	Mar 10, 2021
Instrument	202100008723
Transaction Type	Transfer
Record Updated	Aug 10, 2021

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	386 BEAR TRL, WHITEFISH, MT 59937-8456

Mortgage

Document Number	202100008722
Date	Mar 15, 2021
Instrument	202100008722

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Dec 17, 2018
Property Address	386 BEAR TRL, WHITEFISH, MT 59937-8456
Document Number	201800030197
Instrument Date	Dec 7, 2018
Instrument	201800030197
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATL TITLE AGENCY LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 BEAR TRL, WHITEFISH, MT 59937-8456
Investor	Possibly a Property Investor

Mortgage

Document Number	201800030198
Date	Dec 17, 2018
Instrument	201800030198

Lender

Name	DATA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 386 Bear Trl was $3,717, up 112% from the year before.

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	$3,717.00 (+112.04%)	$590,600 (-)
2025	$1,753.00	$590,600	$590,600 Land $106,783 Building $483,817
2023	$2,793.00	$454,100	$454,100 Land $72,524 Building $381,576

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

Flood

FEMA maps place 386 Bear Trl in Zone X, an area of minimal flood risk.

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

Wildfire risk around 386 Bear Trl is moderate, ranking above 40% of the US, with a 0.06% annual chance of 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.

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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