Lake County property record for 40959 Rose Ln, Polson, MT 59860
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,200 sqft · built 1961 |
| Lot Size | 20 acres (871,636 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,140 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R152074 |
| Primary APN | R152074 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Conventional |
| Exterior Material | Asbestos |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 871,636 sqft (20 acres) |
| Terrain | Wooded |
| Parking Spaces | 1 Parking Space |
| Shed | 1 Shed |
|---|---|
| Shed Area | 400 sqft |
| Granary | Granary |
| Silo | Silo |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Well |
| Account Number | 0000001506 |
|---|---|
| Street Address | 40959 ROSE LN |
| City | POLSON |
| State | MT |
| Zip | 59860-8309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | S31, T22 N, R20 W, PT SE4SW4 TR 2 COS 4614 |
| Legal Tract | 2 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 940400 |
Source: Lake County records, as of October 13, 2025
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 | 40959 ROSE LN, POLSON, MT 59860-8309 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GLACIER BANK |
| Sep 30, 2020 | Deed of Trust, Mortgage · Commercial Mortgage UNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 40959 ROSE LN, POLSON, MT 59860-8309 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Title Company | INSURED TITLE, INSURED TITLES |
| Name | Verified Name |
|---|
| Document Number | 587078 |
|---|---|
| Date | Mar 31, 2021 |
| Instrument | 587078 |
| Name | GLACIER BANK |
|---|---|
| Type | Bank |
| Address | KALISPELL, MT 59901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.5% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 8.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 40959 ROSE LN, POLSON, MT 59860-8309 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 581493 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | 581493 |
| Name | UNITY BANK |
|---|---|
| Type | Bank |
| Address | POLSON, MT 59860 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Lake County assessment roll, as of December 31, 2024
| Type | Name |
|---|---|
| State | Montana |
| County | Lake County |
| Elementary School District | Polson Elementary School District (PK - 08) |
| Secondary School District | Polson High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,140.00 (-9.67%) | $331,215 (+48.44%) | $331,215 (+48.44%) Land $98,255 Building $232,960 |
| 2023 | $2,369.00 | $223,127 | $223,127 Land $35,847 Building $187,280 |
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 64% of the US · lower than 87% of Montana |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Western Montana CommunityTel Fixed Wireless | 25 / 10 |
| CenturyLink DSL | 10 / 1 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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