406 Summit Ridge Dr, Kalispell, MT 59901 Property Records

Flathead County property record for 406 Summit Ridge Dr, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 1983
Lot Size	0.263 acres (11,456 sqft)
Owner	Individual Name on Record
Last Sale	$574,560 (Aug 2025)
Tax Bill	$2,668 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0788910`

Property Details

APN / Parcel Number

Primary APN	`R0788910`
Alternative APNs	`07-3965-01-1-11-09-0000` `0000968445`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft
Basement Area	676 sqft
Finished Basement	676 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1990
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,456 sqft (0.263 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	104 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000968445
Street Address	406 SUMMIT RIDGE DR
City	KALISPELL
State	MT
Zip	59901-2567
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	SUMMIT RIDGE 1, S01, T28 N, R22 W, BLOCK 003, LOT 004
Legal Range	22W
Legal Township	28N
Legal Section	01
Legal Subdivision	SUMMIT RIDGE 1
Legal Block	3
Legal Lot Number	4
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	1
Census Block	1000
Census Tract	902

Owner

Source: Flathead County records, as of September 11, 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	406 SUMMIT RIDGE DR, KALISPELL, MT 59901-2567
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 16, 2022	Deed of Trust, Mortgage · Line of Credit GLACIER BANK
Aug 7, 2025	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2025 · Amount on Record
Deed Sale	Aug 7, 2025 · Amount on Record
Deed Document Number	202516151
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	406 SUMMIT RIDGE DR, KALISPELL, MT 59901-2567
Transaction Type	Mortgage
Record Updated	Sep 24, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000033995
Date	Oct 13, 2020
Instrument	202000033995

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	406 SUMMIT RIDGE DR, KALISPELL, MT 59901-2567
Transaction Type	Mortgage
Record Updated	Sep 24, 2025
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202200015320
Date	Jun 16, 2022
Instrument	202200015320

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59903

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Aug 7, 2025
Property Address	406 SUMMIT RIDGE DR, KALISPELL, MT 59901-2567
Document Number	202500016151
Instrument Date	Aug 5, 2025
Instrument	202500016151
Transaction Type	Transfer
Record Updated	Sep 24, 2025
Title Company	INSURED TITLE, INSURED TITLES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SUMMIT RIDGE DR, KALISPELL, MT 59901-2567

Mortgage

Document Number	202500016152
Date	Aug 7, 2025
Instrument	202500016152

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Montana
County	Flathead County
Municipality	Kalispell City
Secondary School District	Flathead High School District (09 - 12)
Elementary School District	Kalispell Elementary School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,668.00 (+4.38%)	$492,800 (-)
2025	$2,556.00 (-33.4%)	$492,800 (+28.53%)	$492,800 (+28.53%) Land $118,301 Building $374,499
2023	$3,838.00	$383,400	$383,400 Land $69,695 Building $313,705

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

Flood

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KALISPELL PUBLIC WORKS serves 25,000 people · EPA ID MT0000259
Water Source	Groundwater
Last State Inspection	Jun 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	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Bullitt Communications Fixed Wireless	100 / 50

May also be available: MontanaSky Networks, Verizon.

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