39499 Ridgeway Dr, Polson, MT 59860 Property Records

Lake County property record for 39499 Ridgeway Dr, Polson, MT 59860

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,711 sqft · built 2015
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Oct 2015)
Tax Bill	$4,192 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R154666`

Property Details

APN / Parcel Number

Primary APN	`R154666`
Alternative APNs	`15-3228-08-3-02-01-0000` `0000003429`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,711 sqft Living Area
1st Floor Area	2,711 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,867 sqft (1.03 acres)
View / Lot	Mountain
Garage Area	812 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	405 sqft
Deck Area	116 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Water Source	Well

Location & Zoning

Account Number	0000003429
Street Address	39499 RIDGEWAY DR
City	POLSON
State	MT
Zip	59860-6922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2
Legal Description	RIVERSIDE TERRACES, S08, T22 N, R20 W, BLOCK 1, LOT 23, ACRES 1.03
Legal Range	20W
Legal Township	22N
Legal Section	08
Legal Subdivision	RIVERSIDE TERRACES
Legal Block	1
Legal Lot Number	23
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	3
Census Block	3071
Census Tract	940307

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	Individual Name on Record
Mailing Address	39499 RIDGEWAY DR, POLSON, MT 59860-6922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Line of Credit GLACIER BANK
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage GLACIER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2015 · Amount on Record
Deed Sale	Oct 13, 2015 · Amount on Record
Prior Sale	Oct 6, 2008
Deed Document Number	2015544439
Prior Transfer Date	Apr 14, 2006
Prior Transfer Doc	468374
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	39499 RIDGEWAY DR, POLSON, MT 59860-6922
Transaction Type	Mortgage
Record Updated	Dec 1, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39499 RIDGEWAY DR, POLSON, MT 59860-6922

Mortgage

Document Number	593855
Date	Nov 17, 2021
Instrument	593855

Lender

Name	GLACIER BANK
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	45 Months
Due	Aug 16, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	39499 RIDGEWAY DR, POLSON, MT 59860-6922
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	576644
Date	Apr 24, 2020
Instrument	576644

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

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	Polson Elementary School District (PK - 08)
Secondary School District	Polson High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,192.00 (-17.46%)	$918,400 (-)
2025	$5,079.00 (+1.32%)	$918,400 (+47.3%)	$918,400 (+47.3%) Land $246,703 Building $671,697
2023	$5,013.00	$623,500	$623,500 Land $97,778 Building $525,722

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
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.

Wildfire

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

Wildfire Risk	Low lower than 62% of the US · lower than 85% of Montana
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Western Montana CommunityTel Fixed Wireless	25 / 10
CenturyLink DSL	10 / 1

May also be available: Verizon.

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