40144 Paper Trl, Polson, MT 59860 Property Records

Lake County property record for 40144 Paper Trl, Polson, MT 59860

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,910 sqft · built 2003
Lot Size	6.94 acres (302,306 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,420 (2026)
Deeds & Mortgages	Feb 2023 Line of Credit Jul 2016 Mortgage + 11 more
Flood Zone	Zone X (minimal risk)
APN	`R158113`

Property Details

APN / Parcel Number

Primary APN	`R158113`
Alternative APNs	`15-3228-36-2-01-14-0000` `0000005375`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,910 sqft Living Area
1st Floor Area	1,910 sqft
Family Room	Family Room

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	302,306 sqft (6.94 acres)
View / Lot	Mountain
Garage Type	Mixed
Garage Area	3,820 sqft
Parking Spaces	13 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	105 sqft
Deck Area	264 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000005375
Street Address	40144 PAPER TRL
City	POLSON
State	MT
Zip	59860-7193
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAPER TRAIL, S36, T22 N, R20 W, LOT 3, ACRES 6.94
Legal Range	20W
Legal Township	22N
Legal Section	36
Legal Subdivision	PAPER TRAIL
Legal Lot Number	3
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	2
Census Block	2003
Census Tract	940400

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	40144 PAPER TRL, POLSON, MT 59860-7193
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2023	Deed of Trust, Mortgage · Line of Credit WHITEFISH CU
Jul 1, 2016	Deed of Trust, Mortgage · Conventional Mortgage VALLEY BANK OF RONAN
Dec 22, 2008	Deed of Trust, Mortgage · Conventional Mortgage MANN MORTGAGE LLC
Aug 3, 2007	Deed of Trust, Mortgage · Line of Credit WHITEFISH CU
Jun 26, 2015	Deed of Trust, Mortgage · Line of Credit FIRST INTERSTATE BANK
Oct 12, 2010	Deed of Trust, Mortgage · Conventional Mortgage MANN MORTGAGE LLC
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage GLACIER BANK
Apr 12, 2010	Deed of Trust, Mortgage · Line of Credit FIRST INTERSTATE BANK
Nov 5, 2007	Deed of Trust, Mortgage · Conventional Mortgage MANN MORTGAGE LLC
Sep 9, 2019	Deed of Trust, Mortgage · Commercial Mortgage GLACIER BANK
Mar 18, 2016	Deed of Trust, Mortgage · ARM WHITEFISH CU
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage GLACIER BANK
Sep 9, 2019	Deed of Trust, Mortgage · Commercial Mortgage GLACIER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	40144 PAPER TRL, POLSON, MT 59860-7193
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000603217
Date	Feb 1, 2023
Instrument	603217

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	40144 PAPER TRL, POLSON, MT 59860-7193
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000549057
Date	Jul 1, 2016
Instrument	549057

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2046

December 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	40144 PAPER TRL, POLSON, MT 59860-7193
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000494480
Date	Dec 22, 2008
Instrument	494480

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company
Address	POLSON, MT 59860

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2039

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	40144 PAPER TRL, POLSON, MT 59860-7193
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000481955
Date	Aug 3, 2007
Instrument	481955

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	1 Months
Due	Sep 5, 2007

June 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	40144 PAPER TRL, POLSON, MT 59860-7193
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000542107
Date	Jun 26, 2015
Instrument	542107

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	40144 PAPER TRL, POLSON, MT 59860-7193
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000509893
Date	Oct 12, 2010
Instrument	509893

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company
Address	POLSON, MT 59860

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2040

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	40144 PAPER TRL, POLSON, MT 59860-7193
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000580904
Date	Sep 15, 2020
Instrument	580904

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

April 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	40144 PAPER TRL, POLSON, MT 59860-7193
Transaction Type	Mortgage
Record Updated	Jun 10, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000506133
Date	Apr 12, 2010
Instrument	506133

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Apr 6, 2015

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	40144 PAPER TRL, POLSON, MT 59860-7193
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000484502
Date	Nov 5, 2007
Instrument	484502

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company
Address	KALISPELL, MT 59901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2037

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	40144 PAPER TRL, POLSON, MT 59860-7193
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000572075
Date	Sep 9, 2019
Instrument	572075

Lender

Name	GLACIER BANK
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	40144 PAPER TRL, POLSON, MT 59860-7193
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000547151
Date	Mar 18, 2016
Instrument	547151

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Mar 20, 2046

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Mar 20, 2021
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	8.75%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	40144 PAPER TRL, POLSON, MT 59860-7193
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	580904
Date	Sep 15, 2020
Instrument	580904

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	40144 PAPER TRL, POLSON, MT 59860-7193
Transaction Type	Mortgage
Record Updated	Sep 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	572075
Date	Sep 9, 2019
Instrument	572075

Lender

Name	GLACIER BANK
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,420.00 (-19.84%)	$670,600 (-)
2025	$3,019.00 (-10.63%)	$670,600 (+32.06%)	$670,600 (+32.06%) Land $165,256 Building $505,344
2023	$3,378.00	$507,800	$507,800 Land $95,430 Building $412,370

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	Moderate above 44% of the US · lower than 79% of Montana
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 17 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Paper Trl

Nearby Streets

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