425 Bear Trl, Whitefish, MT 59937 Property Records

Flathead County property record for 425 Bear Trl, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,020 sqft · built 2021
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,603 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Jan 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`R0758688`

Property Details

APN / Parcel Number

Primary APN	`R0758688`
Alternative APNs	`07-4184-36-1-09-01-0000` `0000015937`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,020 sqft Living Area
1st Floor Area	1,020 sqft
Basement Area	1,020 sqft
Finished Basement	1,020 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,344 sqft (0.49 acres)
Garage Type	Detached
Garage Area	988 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Deck Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000015937
Street Address	425 BEAR TRL
City	WHITEFISH
State	MT
Zip	59937-8480
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	HAPPY VALLEY HOME SITES, S36, T30 N, R22 W, LOT 442
Legal Range	22W
Legal Township	30N
Legal Section	36
Legal Subdivision	HAPPY VALLEY HOME SITES
Legal Lot Number	442
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	2
Census Block	2001
Census Tract	403

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	2 Individual Names on Record
Mailing Address	421 BEAR TRL, WHITEFISH, MT 59937-8480
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Line of Credit THREE RIVERS BANK OF MONTANA
Jan 13, 2023	Deed of Trust, Mortgage · Unknown WHITEFISH CU
Jun 8, 2020	Deed of Trust, Mortgage · Construction Mortgage AMERICAN BANK
Jun 4, 2020	Deed of Trust, Mortgage · Construction Mortgage AMERICAN BANK
Aug 4, 2020	Deed of Trust, Mortgage · Construction Mortgage AMERICAN BANK
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 1, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 22, 2019
Transfer Doc	0000028157
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	425 BEAR TRL, WHITEFISH, MT 59937-8480
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 BEAR TRL, WHITEFISH, MT 59937-8480

Mortgage

Document Number	202600006473
Date	Mar 30, 2026
Instrument	202600006473

Lender

Name	THREE RIVERS BANK OF MONTANA
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	425 BEAR TRL, WHITEFISH, MT 59937-8480
Transaction Type	Mortgage
Record Updated	Jan 25, 2023
Title Company	FPT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300000687
Date	Jan 13, 2023
Instrument	202300000687

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Unknown
Amount	Amount Recorded
Term	120 Months
Due	Jan 15, 2033

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	425 BEAR TRL, WHITEFISH, MT 59937-8480
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000015083
Date	Jun 8, 2020
Instrument	202000015083

Lender

Name	AMERICAN BANK
Type	Bank
Address	WHITEFISH, MT 59937

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	425 BEAR TRL, WHITEFISH, MT 59937-8480
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000014651
Date	Jun 4, 2020
Instrument	202000014651

Lender

Name	AMERICAN BANK
Type	Bank
Address	WHITEFISH, MT 59937

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	425 BEAR TRL, WHITEFISH, MT 59937-8480
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	INSURED TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000022059
Date	Aug 4, 2020
Instrument	202000022059

Lender

Name	AMERICAN BANK
Type	Bank
Address	WHITEFISH, MT 59937

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	425 BEAR TRL, WHITEFISH, MT 59937-8480
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000027322
Date	Aug 31, 2020
Instrument	202000027322

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Nov 1, 2019
Property Address	425 BEAR TRL, WHITEFISH, MT 59937-8480
Document Number	201900028157
Instrument Date	Oct 22, 2019
Instrument	201900028157
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	421 BEAR TRL, WHITEFISH, MT 59937-8480

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,603.00 (-39.28%)	$597,792 (+39.3%)
2025			$597,792 (+39.3%) Land $112,882 Building $484,910
2023	$2,640.00	$429,130	$429,130 Land $81,890 Building $347,240

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	Moderate above 47% of the US · lower than 77% of Montana
Wildfire Likelihood	0.08% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
MontanaSky Networks Fiber	1,000 / 1,000

May also be available: Verizon.

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