38686 Olsen Rd, Charlo, MT 59824 Property Records

Lake County property record for 38686 Olsen Rd, Charlo, MT 59824

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,746 sqft · built 1966
Lot Size	12.5 acres (547,985 sqft)
Owner	Individual Name on File
Last Sale	$286,500 (Nov 2018)
Tax Bill	$2,200 (2026)
Deeds & Mortgages	Feb 2020 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R1511597`

Property Details

APN / Parcel Number

Primary APN	`R1511597`
Alternative APNs	`15-2868-05-4-02-02-0000` `0000011016`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,746 sqft Living Area
1st Floor Area	1,592 sqft
Attic	Attic
Attic Area	154 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	547,985 sqft (12.5 acres)
Garage Type	Detached
Garage Area	1,440 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000011016
Street Address	38686 OLSEN RD
City	CHARLO
State	MT
Zip	59824-9644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S05, T19 N, R20 W, C.O.S. 5944, PARCEL TR 1, ACRES 12.58, (REM)
Legal Range	20W
Legal Township	19N
Legal Section	05
Legal Subdivision	SURVEY # 5944
Legal Tract	1
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	4
Census Block	4025
Census Tract	940600

Owner

38686 Olsen Rd is owned and occupied by an individual who bought it in November 2018.

Source: Lake County records, as of October 20, 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	38686 OLSEN RD, CHARLO, MT 59824-9644
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage MANN MORTGAGE LLC
Nov 26, 2018	Warranty Deed, Transfer · Conventional Mortgage MANN MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2018 · Amount on File
Deed Sale	Nov 26, 2018 · Amount on File
Deed Document Number	2018566544
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	38686 OLSEN RD, CHARLO, MT 59824-9644
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	575135
Date	Feb 4, 2020
Instrument	575135

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company
Address	KALISPELL, MT 59901

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Nov 26, 2018
Property Address	38686 OLSEN RD, CHARLO, MT 59824-9644
Document Number	566544
Instrument Date	Nov 26, 2018
Instrument	566544
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	52859 NINEPIPE RD, 52859, CHARLO, MT 59824-9651

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38686 OLSEN RD, CHARLO, MT 59824-9644

Mortgage

Document Number	566545
Date	Nov 26, 2018
Instrument	566545

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 38686 Olsen Rd was $2,200, down 8.1% 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	$2,200.00 (-8.07%)	$432,384 (-)
2025	$2,393.00	$432,384	$432,384 Land $210,584 Building $221,800
2023	$2,880.00	$339,754	$339,754 Land $142,494 Building $197,260

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

Flood

FEMA maps place 38686 Olsen Rd 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 38686 Olsen Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99.5% of Montana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 9 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 (outdoors only) and 4G LTE

Nearby Properties on Olsen Rd

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