Flathead County property record for 4055 Lower Valley Rd, Kalispell, MT 59901
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 1 ba · 1,440 sqft · built 1973 |
| Lot Size | 10.1 acres (440,392 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,511 (2026) |
| Deeds & Mortgages | Apr 2026 Construction Loan Dec 2025 Transfer + 1 more |
| Flood Zone | Zone AO (high risk) |
| APN | R0761726 |
| Primary APN | R0761726 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Basement Area | 1,440 sqft |
| Unfinished Basement | 1,440 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Rolled Roofing |
| Lot Area | 440,392 sqft (10.1 acres) |
| Deck Area | 624 sqft |
|---|---|
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Quonset Hut | 1,280 sqft |
| Pole Barn | 1,152 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000301605 |
|---|---|
| Street Address | 4055 LOWER VALLEY RD |
| City | KALISPELL |
| State | MT |
| Zip | 59901-8074 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | S16, T27 N, R20 W, TR 1BBB IN SW4SW4 |
| Legal Range | 20W |
| Legal Township | 27N |
| Legal Section | 16 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | LAKESIDE-SOMERS |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 1401 |
4055 Lower Valley Rd, a mobile home, is owned by an individual who acquired it in December 2025.
Source: Flathead County records, as of September 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1250 MOON BOW LOOP, KALISPELL, MT 59901-1821 |
| 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.
| Date | Document |
|---|---|
| Apr 15, 2026 | Deed of Trust, Mortgage · Construction Mortgage THREE RIVERS BANK/MONTANA |
| Dec 9, 2025 | Intrafamily Transfer, Transfer |
| Apr 24, 2019 | Deed of Trust, Mortgage · Commercial Mortgage THREE RIVERS BANK OF MONTANA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 27, 2025 |
| Deed Sale | Aug 27, 2025 |
| Deed Document Number | 202518521 |
| Last Transfer Date | Dec 8, 2025 |
| Transfer Doc | 0000026431 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Apr 15, 2026 |
| Property Address | 4055 LOWER VALLEY RD, KALISPELL, MT 59901-8074 |
| Document Number | 0000007741 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 20267741 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ATEC |
| Name | Verified Name |
|---|---|
| Address | 4055 LOWER VALLEY RD, KALISPELL, MT 59901-8074 |
| Document Number | 0000007741, |
|---|---|
| Date | Apr 15, 2026 |
| Instrument | 20267741 |
| Name | THREE RIVERS BANK/MONTANA |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Apr 15, 2027 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Dec 9, 2025 |
| Property Address | 4055 LOWER VALLEY RD, KALISPELL, MT 59901-8074 |
| Document Number | 202500026431 |
| Instrument Date | Dec 8, 2025 |
| Instrument | 202500026431 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1250 MOON BOW LOOP, KALISPELL, MT 59901-1821 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 4055 LOWER VALLEY RD, KALISPELL, MT 59901-8074 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2021 |
| Title Company | INSURED TITLE, INSURED TITLES |
| Name | Verified Name |
|---|
| Document Number | 201900007528 |
|---|---|
| Date | Apr 24, 2019 |
| Instrument | 201900007528 |
| Name | THREE RIVERS BANK OF MONTANA |
|---|---|
| Type | Bank |
| Address | KALISPELL, MT 59901 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 4055 Lower Valley Rd was $3,511, down 8.4% from the year before.
Source: Flathead County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Flathead County |
| Elementary School District | Somers Elementary School District (PK - 08) |
| Secondary School District | Bigfork High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,511.00 (-8.38%) | $669,638 (-) | |
| 2025 | $3,832.00 | $669,638 | $669,638 Land $429,758 Building $239,880 |
| 2023 | $3,279.00 | $358,377 | $358,377 Land $212,667 Building $145,710 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4055 Lower Valley Rd in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AO high risk · sheet flow 1–3 ft |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 7 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 4055 Lower Valley Rd is low, with less than 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 99.1% of the US · lower than 99.8% of Montana |
|---|---|
| Wildfire Likelihood | Under 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 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glacier Broadband Fixed Wireless | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Bullitt Communications Fixed Wireless | 100 / 50 |
| MontanaSky Networks Fixed Wireless | 50 / 10 |
| CenturyLink DSL | 40 / 3 |
| AT&T Fixed Wireless | 25 / 3 |
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