Flathead County property record for 423 Windward Way, Kalispell, MT 59901
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,365 sqft · built 2004 |
| Lot Size | 0.217 acres (9,496 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,115 (2023) |
| Deeds & Mortgages | Oct 2025 Mortgage Aug 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R0739678 |
| Primary APN | R0739678 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,365 sqft Living Area |
| Gross Area | 2,730 sqft |
| 1st Floor Area | 1,365 sqft |
| Basement Area | 1,365 sqft |
| Finished Basement | 1,365 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Prefabricated |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,496 sqft (0.217 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 100 sqft |
| Deck Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000001621 |
|---|---|
| Street Address | 423 WINDWARD WAY |
| City | KALISPELL |
| State | MT |
| Zip | 59901-2681 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Description | BUFFALO COMMONS PH 1, S06, T28 N, R21 W, BLOCK 001, LOT 005, LOT 5, BLK 1 BUFFALO COMMONS PH 1 |
| Legal Range | 21W |
| Legal Township | 28N |
| Legal Section | 06 |
| Legal Quarter | NW |
| Legal Subdivision | BUFFALO COMMONS PH 1 |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | KALISPELL |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 903 |
Source: Flathead County records, as of September 7, 2023
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 423 WINDWARD WAY, KALISPELL, MT 59901-2681 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2025 | Deed of Trust, Mortgage · FHA Mortgage LOWERDOTCOM LLC |
| Aug 3, 2022 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Dec 9, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Mar 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage MERIDIAN HOME MORTGAGE CORP |
| Jan 19, 2018 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 13, 2009 |
| Transfer Doc | 200900020092 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 423 WINDWARD WAY, KALISPELL, MT 59901-2681 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 423 WINDWARD WAY, KALISPELL, MT 59901-2681 |
| Document Number | 202500022540 |
|---|---|
| Date | Oct 16, 2025 |
| Instrument | 202500022540 |
| Name | LOWERDOTCOM LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | COLUMBIA, MD 21044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 423 WINDWARD WAY, KALISPELL, MT 59901-2681 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202200020415 |
|---|---|
| Date | Aug 3, 2022 |
| Instrument | 202200020415 |
| Name | LENDAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Sep 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 423 WINDWARD WAY, KALISPELL, MT 59901-2681 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100042195 |
|---|---|
| Date | Dec 9, 2021 |
| Instrument | 202100042195 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 423 WINDWARD WAY, KALISPELL, MT 59901-2681 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | RESEARCH TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 202000006391 |
|---|---|
| Date | Mar 10, 2020 |
| Instrument | 202000006391 |
| Name | MERIDIAN HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | WESTMINSTER, MD 21157 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 423 WINDWARD WAY, KALISPELL, MT 59901-2681 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2018 |
| Name | Verified Name |
|---|
| Document Number | , 201800001335 |
|---|---|
| Date | Jan 19, 2018 |
| Instrument | 201800001335 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2048 |
Source: Flathead County assessment roll, as of December 31, 2022
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $5,115.00 | $511,000 | $511,000 Land $67,399 Building $443,601 |
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 98% of the US · lower than 99.5% of Montana |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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 156 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Bullitt Communications Fixed Wireless | 100 / 50 |
May also be available: Blackfoot Telephone Cooperative, MontanaSky Networks, Verizon.
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