Flathead County property record for 423 Ridge Line Dr, Lakeside, MT 59922
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,350 sqft · built 2023 |
| Lot Size | 4.29 acres (186,872 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $12,449 (2026) |
| Deeds & Mortgages | Dec 2023 Line of Credit Apr 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R0770784 |
| Primary APN | R0770784 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,350 sqft Living Area |
| 1st Floor Area | 2,800 sqft |
| Attic | Attic |
| Attic Area | 550 sqft |
| Basement Area | 2,800 sqft |
| Finished Basement | 2,800 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 186,872 sqft (4.29 acres) |
| Garage Type | Mixed |
| Garage Area | 1,000 sqft |
| Parking Spaces | 9 Parking Spaces |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Account Number | 0000501932 |
|---|---|
| Street Address | 423 RIDGE LINE DR |
| City | LAKESIDE |
| State | MT |
| Zip | 59922-9762 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAGLE DEVELOPMENT PH 3 AMD L 27 & 33, S19, T26 N, R20 W, LOT 33, ACRES 4.29 |
| Legal Range | 20W |
| Legal Township | 26N |
| Legal Section | 19 |
| Legal Subdivision | EAGLE DEVELOPMENT PH 3 AMD L 27 & 33 |
| Legal Lot Number | 33 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | LAKESIDE-SOMERS |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 1402 |
423 Ridge Line Dr is owner-occupied and held in a trust since December 2024.
Source: Flathead County records, as of September 11, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 423 RIDGE LINE DR, LAKESIDE, MT 59922-9762 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
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 |
|---|---|
| Dec 1, 2023 | Deed of Trust, Mortgage · Line of Credit WHITEFISH CU |
| Apr 14, 2023 | Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CU |
| May 28, 2021 | Warranty Deed, Transfer FIDELITY NATIONAL TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2024 |
| Deed Sale | Dec 13, 2024 |
| Prior Sale | Jun 5, 2023 · Amount on File |
| Deed Document Number | 202424810 |
| Prior Transfer Date | Feb 9, 2023 |
| Prior Transfer Doc | 0000004492 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 423 RIDGE LINE DR, LAKESIDE, MT 59922-9762 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202300021435 |
|---|---|
| Date | Dec 1, 2023 |
| Instrument | 202300021435 |
| Name | WHITEFISH CU |
|---|---|
| Type | Credit Union |
| Address | WHITEFISH, MT 59937 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 0 Months |
| Due | Dec 3, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 423 RIDGE LINE DR, LAKESIDE, MT 59922-9762 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2023 |
| Title Company | FLATHEAD PREMIER TITLE |
| Name | Verified Name |
|---|---|
| Address | 423 RIDGE LINE DR, LAKESIDE, MT 59922-9762 |
| Document Number | 202300005570 |
|---|---|
| Date | Apr 14, 2023 |
| Instrument | 202300005570 |
| Name | WHITEFISH CU |
|---|---|
| Type | Credit Union |
| Address | WHITEFISH, MT 59937 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 19, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 19, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.75% |
| Index | Other |
| Max Rate | 10.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | May 28, 2021 |
| Property Address | 423 RIDGE LINE DR, LAKESIDE, MT 59922-9762 |
| Document Number | 202100018575 |
| Instrument Date | May 28, 2021 |
| Instrument | 202100018575 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 336 JIB LN, LAKESIDE, MT 59922-9745 |
The 2026 property tax bill for 423 Ridge Line Dr was $12,449, up 67% 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 | Flathead High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,449.00 (+66.99%) | $1,660,400 (-) | |
| 2025 | $7,455.00 | $1,660,400 | $1,660,400 Land $330,160 Building $1,330,240 |
| 2023 | $922.00 | $128,760 | $128,760 Land $128,760 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 423 Ridge Line Dr 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 |
| Community Rating System | Class 9 (5% premium discount) |
| 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 423 Ridge Line Dr is high, ranking above 71% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 52% of Montana |
|---|---|
| Wildfire Likelihood | 0.3% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKESIDE WATER SYSTEM serves 1,225 people · EPA ID MT0000266 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| MontanaSky Networks Fixed Wireless | 50 / 10 |
| CenturyLink DSL | 10 / 1 |
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