38863 Dubay Rd, Polson, MT 59860 Property Records

Lake County property record for 38863 Dubay Rd, Polson, MT 59860

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,512 sqft · built 1997
Lot Size	4.41 acres (192,100 sqft)
Owner	2 Individual Names on File
Last Sale	$182,800 (May 2008)
Tax Bill	$2,296 (2025)
Deeds & Mortgages	May 2020 Mortgage Jun 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R1523603`

Property Details

APN / Parcel Number

Primary APN	`R1523603`
Alternative APNs	`15-3229-19-4-01-06-0000` `0000030406`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft
Basement Area	1,512 sqft
Unfinished Basement	1,512 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	192,100 sqft (4.41 acres)
Garage Area	1,568 sqft
Parking Spaces	6 Parking Spaces
Deck Area	984 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000030406
Street Address	38863 DUBAY RD
City	POLSON
State	MT
Zip	59860-7327
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	S19, T22 N, R19 W, TRACT IN SE 4.41 ACRES
Legal Range	19W
Legal Township	22N
Legal Section	19
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	1
Census Block	1024
Census Tract	940305

Owner

Source: Lake County records · APN R1523603

Assessment roll updated September 16, 2025 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	38863 DUBAY RD, POLSON, MT 59860-7327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK
Jun 29, 2022	Deed of Trust, Mortgage · Line of Credit EAGLE BANK
Dec 18, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 09, 2008 · Amount on Record
Deed Sale	May 09, 2008 · Amount on Record
Deed Document Number	2008489198
Last Transfer Date	Dec 18, 2023
Transfer Doc	0000608768
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	38863 DUBAY RD, POLSON, MT 59860-7327
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000577351
Date	May 27, 2020
Instrument	577351

Lender

Name	EAGLE BANK
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 01, 2035

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	38863 DUBAY RD, POLSON, MT 59860-7327
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000599112
Date	Jun 29, 2022
Instrument	599112

Lender

Name	EAGLE BANK
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 29, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Dec 18, 2023
Property Address	38863 DUBAY RD, POLSON, MT 59860-7327
Document Number	0000608768
Instrument Date	Dec 18, 2023
Instrument	608768
Transaction Type	Transfer
Record Updated	Jan 19, 2024

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	38863 DUBAY RD, POLSON, MT 59860-7327

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated September 16, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Montana
County	Lake County
Elementary School District	Polson Elementary School District (PK - 08)
Secondary School District	Polson High School District (09 - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,296.00 (+55.03%)	$512,358 (+182.43%)	$512,358 (+182.43%) Land $130,518 Building $381,840
2023	$1,481.00	$181,413	$181,413 Land $66,513 Building $114,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 16, 2022 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 63% of the US · lower than 60% of Montana
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
CommunityTel Fiber	100 / 100

Based on FCC filings for 9 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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