Lake County property record for 40471 Apple Rd, Polson, MT 59860
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 2.98 acres (130,070 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $824 (2026) |
| Deeds & Mortgages | Apr 2026 Construction Loan Sep 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R1523074 |
| Primary APN | R1523074 |
|---|---|
| Alternative APNs |
|
| Lot Area | 130,070 sqft (2.98 acres) |
|---|
| Account Number | 0000029602 |
|---|---|
| Street Address | 40471 APPLE RD |
| City | POLSON |
| State | MT |
| Zip | 59860-8422 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | ALLISON SUBDIVISION, S35, T22 N, R21 W, LOT A-4, ACRES 2.986 |
| Legal Range | 21W |
| Legal Township | 22N |
| Legal Section | 35 |
| Legal Subdivision | ALLISON SUBDIVISION |
| Legal Lot Number | A-4 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 940400 |
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 | 8 8TH AVE E, POLSON, MT 59860-3211 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 15, 2026 | Deed of Trust, Mortgage · Construction Mortgage EAGLE BANK |
| Sep 12, 2025 | Deed of Trust, Mortgage · Conventional Mortgage VALLEY BANK OF RONAN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2024 |
| Deed Sale | Jul 23, 2024 |
| Deed Document Number | 2024611864 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Recording Date | Apr 15, 2026 |
| Property Address | 40471 APPLE RD, POLSON, MT 59860 |
| Document Number | 0000638135 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 2026638135 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 8 8TH AVE E, POLSON, MT 59860-3211 |
| Investor | Possibly a Property Investor |
| Document Number | 0000638135, |
|---|---|
| Date | Apr 15, 2026 |
| Instrument | 2026638135 |
| Name | EAGLE BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 15, 2027 |
| Rate Type | Balloon |
|---|---|
| Rate | 6.22% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 40471 APPLE RD, POLSON, MT 59860 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|---|
| Address | 8 8TH AVE E, POLSON, MT 59860-3211 |
| Document Number | 0000634313 |
|---|---|
| Date | Sep 12, 2025 |
| Instrument | 634313 |
| Name | VALLEY BANK OF RONAN |
|---|---|
| Type | Bank |
| Address | RONAN, MT 59864 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 6% |
| Max Rate At Change | 9.25% |
| Index | Prime Rate |
| Max Rate | 13.2% |
Source: Lake County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Lake County |
| Secondary School District | Polson High School District (09 - 12) |
| Elementary School District | Valley View Elementary School District (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $824.00 (+13.66%) | $120,317 (-) | |
| 2025 | $725.00 (+70.59%) | $120,317 (+89.5%) | $120,317 (+89.5%) Land $120,317 |
| 2023 | $425.00 | $63,492 | $63,492 Land $63,492 |
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 | Low lower than 80% of the US · lower than 93% of Montana |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| CenturyLink DSL | 40 / 3 |
| Western Montana CommunityTel Fixed Wireless | 25 / 10 |
5G (outdoors only) and 4G LTE
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