38950 Morris Rd, Charlo, MT 59824 Property Records

Lake County property record for 38950 Morris Rd, Charlo, MT 59824

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,690 sqft · built 1993
Lot Size	2.46 acres (107,158 sqft)
Owner	2 Individual Names on Record
Last Sale	$59,850 (Jun 2025)
Tax Bill	$1,906 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R1512094`

Property Details

APN / Parcel Number

Primary APN	`R1512094`
Alternative APNs	`15-2987-32-3-01-02-0000` `0000011276`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,690 sqft Living Area
1st Floor Area	1,690 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	107,158 sqft (2.46 acres)
Garage Type	Mixed
Garage Area	696 sqft
Parking Spaces	4 Parking Spaces
Deck Area	1,085 sqft
Lean-To	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	0000011276
Street Address	38950 MORRIS RD
City	CHARLO
State	MT
Zip	59824-9582
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S32, T20 N, R20 W, C.O.S. 7807, ACRES 2.46, TR 2 & PORTION X
Legal Range	20W
Legal Township	20N
Legal Section	32
Legal Tract	2
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	1
Census Block	1142
Census Tract	940500

Owner

Source: Lake County records, as of October 20, 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 Record
Mailing Address	38950 MORRIS RD, CHARLO, MT 59824-9582
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2025 · Amount on Record
Deed Sale	Jun 11, 2025 · Amount on Record
Deed Document Number	2025632101
Prior Transfer Date	Jun 6, 2025
Prior Transfer Doc	0000632101
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Recording Date	Jul 16, 2026
Property Address	38950 MORRIS RD, CHARLO, MT 59824-9582
Document Number	0000639782
Instrument Date	Jul 11, 2026
Instrument	2026639782
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38950 MORRIS RD, CHARLO, MT 59824-9582

Mortgage

Document Number	0000639782,
Date	Jul 16, 2026
Instrument	2026639782

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	38950 MORRIS RD, CHARLO, MT 59824-9582
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000584145
Date	Dec 28, 2020
Instrument	584145

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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	$1,906.00 (-2.9%)	$441,500 (+3.35%)
2025	$1,963.00 (-13.94%)	$427,200 (+38.88%)	$441,500 (+43.53%) Land $111,408 Building $330,092
2023	$2,281.00	$307,600	$307,600 Land $34,800 Building $272,800

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Low lower than 96% of the US · lower than 99.1% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Blackfoot Telephone Cooperative DSL	40 / 5
Western Montana CommunityTel Fixed Wireless	25 / 10

Cell Coverage

5G and 4G LTE (outdoors only)

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