38682 3rd St W, Charlo, MT 59824 Property Records

Lake County property record for 38682 3rd St W, Charlo, MT 59824

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,344 sqft · built 1971
Lot Size	0.321 acres (13,983 sqft)
Owner	2 Individual Names on File
Last Sale	$168,000 (May 2019)
Tax Bill	$1,602 (2026)
Deeds & Mortgages	Dec 2025 Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R1512329`

Property Details

APN / Parcel Number

Primary APN	`R1512329`
Alternative APNs	`15-2868-05-2-15-03-0000` `0000011398`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,983 sqft (0.321 acres)
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Deck Area	36 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000011398
Street Address	38682 3RD ST W
City	CHARLO
State	MT
Zip	59824-7718
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLO ORIGINAL TOWNSITE, S05, T19 N, R20 W, BLOCK 015, LOT 011 - 012, ACRES 0.321
Legal Range	20W
Legal Township	19N
Legal Section	05
Legal Subdivision	CHARLO ORIGINAL TOWNSITE
Legal Block	15
Legal Lot Number	11,12
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	4
Census Block	4153
Census Tract	940600

Owner

38682 3rd St W is owned by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 164, CHARLO, MT 59824-0164
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
Dec 5, 2025	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE CO
May 6, 2019	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2019 · Amount on File
Deed Sale	May 6, 2019 · Amount on File
Prior Sale	Jun 22, 2012 · Amount on File
Deed Document Number	2019568950
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	38682 3RD ST W, CHARLO, MT 59824-7718
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 164, CHARLO, MT 59824-0164

Mortgage

Document Number	0000635921
Date	Dec 5, 2025
Instrument	635921

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	May 6, 2019
Property Address	38682 3RD ST W, CHARLO, MT 59824-7718
Document Number	568950
Instrument Date	May 3, 2019
Instrument	568950
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 164, CHARLO, MT 59824-0164

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2010 27TH AVE, MISSOULA, MT 59804-5134

Mortgage

Document Number	568953
Date	May 6, 2019
Instrument	568953

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 38682 3rd St W was $1,602, down 10.1% 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	Charlo Elementary School District (PK - 08)
Secondary School District	Charlo High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,602.00 (-10.05%)	$315,000 (-)
2025	$1,781.00	$315,000	$315,000 Land $57,100 Building $257,900
2023	$2,186.00	$247,700	$247,700 Land $39,800 Building $207,900

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

Flood

FEMA maps place 38682 3rd St W 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

The area around 38682 3rd St W 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.

Drinking Water

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

Water System	CONSOLIDATED CHARLO LAKE CO W AND S DIST serves 450 people · EPA ID MT0000172
Water Source	Groundwater
Last State Inspection	Aug 2024
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	3 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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blackfoot Telephone Cooperative Fiber	1,000 / 500

May also be available: Western Montana CommunityTel.

Cell Coverage

5G and 4G LTE (outdoors only)

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