41856 Lois Ave, Pablo, MT 59855 Property Records

Lake County property record for 41856 Lois Ave, Pablo, MT 59855

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,295 sqft · built 1998
Lot Size	0.244 acres (10,629 sqft)
Owner	Individual Name on Record
Last Sale	$76,900 (Jul 2014)
Tax Bill	$1,102 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R158841`

Property Details

APN / Parcel Number

Primary APN	`R158841`
Alternative APNs	`15-3103-02-4-05-05-0000` `0000005443`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,295 sqft Living Area
1st Floor Area	1,295 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,629 sqft (0.244 acres)
Porch	Slab
Porch Area	132 sqft
Deck Area	25 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000005443
Street Address	41856 LOIS AVE
City	PABLO
State	MT
Zip	59855-7726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FELSMAN ADDITION, S02, T21 N, R20 W, LOT 5, ACRES 0.24, ASSR #0000005443
Legal Range	20W
Legal Township	21N
Legal Section	02
Legal Subdivision	FELSMAN ADDITION
Legal Lot Number	5
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	2
Census Block	2031
Census Tract	940400

Owner

Source: Lake County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 675, PABLO, MT 59855-0675
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Deed of Trust, Mortgage · FHA Mortgage E HOME LOANS
Jan 25, 2024	Deed of Trust, Mortgage · FHA Mortgage WINTRUST MORTGAGE
Jul 12, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 25, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2014 · Amount on Record
Deed Sale	Jul 10, 2014 · Amount on Record
Deed Document Number	2014536161
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Recording Date	Aug 6, 2026
Property Address	41856 LOIS AVE, PABLO, MT 59855-7726
Document Number	0000640167
Instrument Date	Jul 27, 2026
Instrument	2026640167
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41856 LOIS AVE, PABLO, MT 59855-7726

Mortgage

Document Number	0000640167,
Date	Aug 6, 2026
Instrument	2026640167

Lender

Name	E HOME LOANS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Aug 1, 2053

Interest

Rate	6.49%
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	41856 LOIS AVE, PABLO, MT 59855-7726
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41856 LOIS AVE, PABLO, MT 59855-7726

Mortgage

Document Number	0000609227
Date	Jan 25, 2024
Instrument	609227

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2049

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	41856 LOIS AVE, PABLO, MT 59855-7726
Transaction Type	Mortgage
Record Updated	Jul 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000599389
Date	Jul 12, 2022
Instrument	599389

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	EAST LANSING, MI 48826

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	41856 LOIS AVE, PABLO, MT 59855-7726
Transaction Type	Mortgage
Record Updated	Jun 30, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	589232
Date	Jun 14, 2021
Instrument	589232

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	41856 LOIS AVE, PABLO, MT 59855-7726
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	588737
Date	May 25, 2021
Instrument	588737

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Montana
County	Lake County
Elementary School District	Ronan Elementary School District (PK - 08)
Secondary School District	Ronan High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,102.00 (-10.41%)	$269,600 (-)
2025	$1,230.00 (-23.46%)	$269,600 (+26.1%)	$269,600 (+26.1%) Land $50,655 Building $218,945
2023	$1,607.00	$213,800	$213,800 Land $34,034 Building $179,766

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 96% of the US · lower than 99.1% 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.

Drinking Water

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

Water System	PABLO LAKE COUNTY WATER AND SEWER DIST serves 2,175 people · EPA ID MT0001917
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Nov 2023
Treatment and Procedure	Coliform assessment Apr 2023
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 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Western Montana CommunityTel.

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