Lake County property record for 39404 Overlook Dr, Polson, MT 59860
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,244 sqft · built 1995 |
| Lot Size | 1.42 acres (62,247 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $320,000 (Jun 2016) |
| Tax Bill | $2,762 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Oct 2023 Line of Credit + 2 more |
| APN | R1523139 |
| Primary APN | R1523139 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,244 sqft Living Area |
| 1st Floor Area | 1,400 sqft |
| 2nd Floor Area | 844 sqft |
| Basement Area | 1,400 sqft |
| Finished Basement | 1,400 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gambrel |
| Roof Material | Metal |
| Lot Area | 62,247 sqft (1.42 acres) |
| View / Lot | Waterfront / Beach |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 130 sqft |
| Deck Area | 396 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000030041 |
|---|---|
| Street Address | 39404 OVERLOOK DR |
| City | POLSON |
| State | MT |
| Zip | 59860-8118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Description | OVERLOOK SUBD, S17, T22 N, R20 W, LOT 9, ACRES 1.42, 1/17 INT IN LTS 18-19 |
| Legal Range | 20W |
| Legal Township | 22N |
| Legal Section | 17 |
| Legal Subdivision | OVERLOOK SUBD |
| Legal Lot Number | 9,18-19 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 3 |
| Census Block | 3073 |
| Census Tract | 940307 |
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 | 39404 OVERLOOK DR, POLSON, MT 59860-8118 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2026 | Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CREDIT UNION |
| Oct 25, 2023 | Deed of Trust, Mortgage · Line of Credit WHITEFISH CU |
| Jul 31, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST INTERSTATE BANK |
| Jan 13, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST INTERSTATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2016 · Amount on Record |
| Deed Sale | Jun 21, 2016 · Amount on Record |
| Prior Sale | Nov 30, 2012 · Amount on Record |
| Deed Document Number | 2016548805 |
| Prior Transfer Date | Nov 29, 2012 |
| Prior Transfer Doc | 0000525274 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Recording Date | May 11, 2026 |
| Property Address | 39404 OVERLOOK DR, POLSON, MT 59860-8118 |
| Document Number | 0000638591 |
| Instrument Date | May 8, 2026 |
| Instrument | 2026638591 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 39404 OVERLOOK DR, POLSON, MT 59860-8118 |
| Document Number | 0000638591, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 2026638591 |
| Name | WHITEFISH CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 12, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 39404 OVERLOOK DR, POLSON, MT 59860-8118 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000607984 |
|---|---|
| Date | Oct 25, 2023 |
| Instrument | 607984 |
| Name | WHITEFISH CU |
|---|---|
| Type | Credit Union |
| Address | WHITEFISH, MT 59937 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 25, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 39404 OVERLOOK DR, POLSON, MT 59860-8118 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 556487 |
|---|---|
| Date | Jul 31, 2017 |
| Instrument | 556487 |
| Name | FIRST INTERSTATE BANK |
|---|---|
| Type | Bank |
| Address | POLSON, MT 59860 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 39404 OVERLOOK DR, POLSON, MT 59860-8118 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 552835 |
|---|---|
| Date | Jan 13, 2017 |
| Instrument | 552835 |
| Name | FIRST INTERSTATE BANK |
|---|---|
| Type | Bank |
| Address | POLSON, MT 59860 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Lake County assessment roll, as of September 11, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,762.00 (-17.53%) | $736,700 (-) | |
| 2025 | $3,349.00 (-6.37%) | $736,700 (+37.47%) | $736,700 (+37.47%) Land $250,733 Building $485,967 |
| 2023 | $3,577.00 | $535,900 | $535,900 Land $102,805 Building $433,095 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not included in the FIRM |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 86% of Montana |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OVERLOOK SUBDIVISION private · serves 49 people · EPA ID MT0003792 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | Under 1 ppb (2015–2017) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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