38751 3rd St W, Charlo, MT 59824 Property Records

Lake County property record for 38751 3rd St W, Charlo, MT 59824

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,344 sqft · built 1973
Lot Size	0.161 acres (7,013 sqft)
Owner	Individual Name on Record
Tax Bill	$1,795 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Aug 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R1511646`

Property Details

APN / Parcel Number

Primary APN	`R1511646`
Alternative APNs	`15-2868-05-2-10-01-0000` `0000011051`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Finished Basement	1,344 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,013 sqft (0.161 acres)
Garage Type	Detached
Garage Area	1,016 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	256 sqft
Deck Area	235 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000011051
Street Address	38751 3RD ST W
City	CHARLO
State	MT
Zip	59824-7716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLO ORIGINAL TOWNSITE, S05, T19 N, R20 W, BLOCK 024, LOT 007, ACRES 0.161
Legal Range	20W
Legal Township	19N
Legal Section	05
Legal Subdivision	CHARLO ORIGINAL TOWNSITE
Legal Block	24
Legal Lot Number	7
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	4
Census Block	4156
Census Tract	940600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 180, CHARLO, MT 59824-0180
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Deed of Trust, Mortgage · Line of Credit VALLEY BANK OF RONAN
Aug 9, 2023	Deed of Trust, Mortgage · Line of Credit VALLEY BANK OF RONAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2023
Deed Sale	May 16, 2023
Prior Sale	Dec 7, 2012 · Amount on Record
Deed Document Number	2023604850
Prior Transfer Date	Dec 6, 2012
Prior Transfer Doc	0000525348
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	38751 3RD ST W, CHARLO, MT 59824-7716
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000636433
Date	Jan 9, 2026
Instrument	636433

Lender

Name	VALLEY BANK OF RONAN
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	38751 3RD ST W, CHARLO, MT 59824-7716
Transaction Type	Mortgage
Record Updated	Aug 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000606475
Date	Aug 9, 2023
Instrument	606475

Lender

Name	VALLEY BANK OF RONAN
Type	Bank
Address	RONAN, MT 59864

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$1,795.00 (-7.57%)	$449,700 (-)
2025	$1,942.00 (-21.02%) Homeowner's exemption	$449,700 (+33.64%)	$449,700 (+33.64%) Land $43,800 Building $405,900
2023	$2,459.00	$336,500	$336,500 Land $27,900 Building $308,600

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	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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