Lake County property record for 402 20th Ave W, Polson, MT 59860
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 988 sqft · built 1994 |
| Lot Size | 0.208 acres (9,060 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $473,679 (Nov 2025) |
| Tax Bill | $1,788 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R1510036 |
| Primary APN | R1510036 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Basement Area | 920 sqft |
| Finished Basement | 920 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,060 sqft (0.208 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000008767 |
|---|---|
| Street Address | 402 20TH AVE W |
| City | POLSON |
| State | MT |
| Zip | 59860-4037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 2 |
| Legal Description | WOODBINE ESTATES, S09, T22 N, R20 W, BLOCK 001, LOT 30, 9048 SQUARE FEET |
| Legal Range | 20W |
| Legal Township | 22N |
| Legal Section | 09 |
| Legal Subdivision | WOODBINE ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 30 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 1 |
| Census Block | 1152 |
| Census Tract | 940306 |
Source: Lake County records, as of November 25, 2025
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 | PO BOX 613, POLSON, MT 59860-0613 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 14, 2025 · Amount on Record |
| Deed Sale | Nov 14, 2025 · Amount on Record |
| Prior Sale | Jun 20, 2022 |
| Deed Document Number | 2025635569 |
| Prior Transfer Date | Aug 30, 2016 |
| Prior Transfer Doc | 550784 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 402 20TH AVE W, POLSON, MT 59860-4037 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 402 20TH AVE W, POLSON, MT 59860-4037 |
| Document Number | 0000635570 |
|---|---|
| Date | Nov 14, 2025 |
| Instrument | 635570 |
| Name | WHITEFISH CU |
|---|---|
| Type | Credit Union |
| Address | WHITEFISH, MT 59937 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 14, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 14, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 7.37% |
| Index | 5-Year CMT |
| Max Rate | 10.3% |
Source: Lake County assessment roll, as of September 16, 2025
| Type | Name |
|---|---|
| State | Montana |
| County | Lake County |
| Municipality | Polson City |
| 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 |
|---|---|---|---|
| 2025 | $1,788.00 (-28.79%) | $363,900 (+17.58%) | $363,900 (+17.58%) Land $49,477 Building $314,423 |
| 2023 | $2,511.00 | $309,500 | $309,500 Land $38,096 Building $271,404 |
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
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | CITY OF POLSON serves 5,300 people · EPA ID MT0000308 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | 2 ppb (2021–2023) 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 96 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T.
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