Flathead County property record for 405 Spokane Ave, Whitefish, MT 59937
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1928 |
| Lot Size | 0.149 acres (6,490 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,680 (2026) |
| Deeds & Mortgages | Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R0754576 |
| Primary APN | R0754576 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Basement Area | 408 sqft |
| Unfinished Basement | 408 sqft |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Historical |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 6,490 sqft (0.149 acres) |
| Lot Dimensions | 130 ft deep x 50 ft wide |
| Deck Area | 32 sqft |
| Shed | 1 Shed |
| Shed Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000104900 |
|---|---|
| Street Address | 405 SPOKANE AVE |
| City | WHITEFISH |
| State | MT |
| Zip | 59937-2778 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Description | WFSH, S36, T31 N, R22 W, BLOCK 062, LOT 023, 24 |
| Legal Range | 22W |
| Legal Township | 31N |
| Legal Section | 36 |
| Legal Subdivision | WFSH |
| Legal Block | 62 |
| Legal Lot Number | 23,24 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | WHITEFISH |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 404 |
405 Spokane Ave, a single family home, is owned by an individual.
Source: Flathead County records, as of September 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 654, WHITEFISH, MT 59937-0654 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 405 SPOKANE AVE, WHITEFISH, MT 59937-2778 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201700001562 |
|---|---|
| Date | Jan 23, 2017 |
| Instrument | 201700001562 |
| Name | UNIVERSAL LENDING CORP |
|---|---|
| Type | Lending Institution |
| Address | DENVER, CO 80224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2047 |
The 2026 property tax bill for 405 Spokane Ave was $1,680.
Source: Flathead County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Flathead County |
| Municipality | Whitefish City |
| Elementary School District | Whitefish Elementary School District (PK - 08) |
| Secondary School District | Whitefish High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,680.00 | $564,000 | |
| 2025 | $564,000 Land $331,525 Building $232,475 | ||
| 2023 | $3,434.00 | $500,100 | $500,100 Land $206,850 Building $293,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Spokane Ave in Zone X, an area of minimal flood risk.
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 risk around 405 Spokane Ave is low, with a 0.01% annual chance of wildfire.
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 482 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| MontanaSky Networks Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile, Vero Fiber, Western Montana CommunityTel.
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