403 20th Ave W, Polson, MT 59860 Property Records

Lake County property record for 403 20th Ave W, Polson, MT 59860

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,316 sqft · built 1984
Lot Size	0.208 acres (9,060 sqft)
Owner	Individual Name on File
Tax Bill	$3,603 (2026)
Deeds & Mortgages	Nov 2019 Mortgage Nov 2018 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R159640`

Property Details

APN / Parcel Number

Primary APN	`R159640`
Alternative APNs	`15-3228-09-3-13-27-0000` `0000008428`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area
1st Floor Area	1,316 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,060 sqft (0.208 acres)
Garage Area	1,040 sqft
Parking Spaces	4 Parking Spaces
Deck Area	240 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000008428
Street Address	403 20TH AVE W
City	POLSON
State	MT
Zip	59860-4038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2
Legal Description	WOODBINE ESTATES, S09, T22 N, R20 W, BLOCK 003, LOT 008, ACRES 0.208
Legal Range	20W
Legal Township	22N
Legal Section	09
Legal Subdivision	WOODBINE ESTATES
Legal Block	3
Legal Lot Number	8
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	1
Census Block	1159
Census Tract	940306

Owner

403 20th Ave W is owned and occupied by an individual who acquired it in September 2024.

Source: Lake County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	403 20TH AVE W, POLSON, MT 59860-4038
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Nov 26, 2018	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage WHITEFISH CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2024
Deed Sale	Sep 23, 2024
Prior Sale	Nov 26, 2018 · Amount on File
Deed Document Number	2024612836
Prior Transfer Date	Sep 22, 2005
Prior Transfer Doc	462540
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	403 20TH AVE W, POLSON, MT 59860-4038
Transaction Type	Mortgage
Record Updated	Dec 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	573681
Date	Nov 20, 2019
Instrument	573681

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2034

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE MT
Recording Date	Nov 26, 2018
Property Address	403 20TH AVE W, POLSON, MT 59860-4038
Document Number	566548
Instrument Date	Nov 15, 2018
Instrument	566548
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7885 ELAND AVE, BILLINGS, MT 59106-3014

Mortgage

Document Number	566549
Date	Nov 26, 2018
Instrument	566549

Lender

Name	WHITEFISH CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 21, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 403 20th Ave W was $3,603, up 97% from the year before.

Source: Lake County assessment roll, as of September 11, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,603.00 (+96.99%)	$373,300 (-)
2025	$1,829.00	$373,300	$373,300 Land $49,477 Building $323,823
2023	$185.00 (-64.22%)	$287,300	$287,300 Land $38,096 Building $249,204
2022	$517.00 Disabled Person's exemption Veteran's exemption

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 403 20th Ave W in Zone X, an area of minimal flood risk.

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

The area around 403 20th Ave W has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

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 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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