Lake County property record for 42730 Ridgeway Rd, Charlo, MT 59824 · Last verified October 2025
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 3 ba · 2,500 sqft · built 2020 |
| Lot Size | 20.1 acres (877,734 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,377 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R1524293 |
| Primary APN | R1524293 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,500 sqft Living Area |
| 1st Floor Area | 1,140 sqft |
| 2nd Floor Area | 1,360 sqft |
| Year Built | Built 2020 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 877,734 sqft (20.1 acres) |
| Terrain | Wooded |
| View / Lot | Mountain |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 562 sqft |
| Deck Area | 465 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 0000032746 |
|---|---|
| Street Address | 42730 RIDGEWAY RD |
| City | CHARLO |
| State | MT |
| Zip | 59824-9400 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | S03, T19 N, R21 W, ACRES 20.15, TR B SP 284 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 1 |
| Census Block | 1115 |
| Census Tract | 940500 |
Source: Lake County records · APN R1524293
Assessment roll updated December 31, 2024 · Last verified October 2025
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 File |
|---|---|
| Mailing Address | 42730 RIDGEWAY RD, CHARLO, MT 59824-9400 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage VALLEY BANK OF RONAN |
| Jun 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage VALLEY BANK OF RONAN |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 42730 RIDGEWAY RD, CHARLO, MT 59824-9400 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000588150 |
|---|---|
| Date | May 04, 2021 |
| Instrument | 588150 |
| Name | VALLEY BANK OF RONAN |
|---|---|
| Type | Bank |
| Address | RONAN, MT 59864 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 04, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 42730 RIDGEWAY RD, CHARLO, MT 59824-9400 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000598717 |
|---|---|
| Date | Jun 13, 2022 |
| Instrument | 598717 |
| Name | VALLEY BANK OF RONAN |
|---|---|
| Type | Bank |
| Address | RONAN, MT 59864 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
Source: Lake County records · Assessment roll updated December 31, 2024 · Last verified October 2025
| Type | Name |
|---|---|
| State | Montana |
| County | Lake County |
| Elementary School District | Charlo Elementary School District (PK - 08) |
| Secondary School District | Charlo High School District (09 - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,377.00 (-7.37%) | $818,504 (+26.6%) | $818,504 (+26.6%) Land $95,464 Building $723,040 |
| 2023 | $4,725.00 | $646,515 | $646,515 Land $49,255 Building $597,260 |
Source: FEMA National Flood Hazard Layer, Lake County (30047C), updated November 16, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Low above 35% of the US · above 13% of Montana |
|---|---|
| Wildfire Likelihood | About 1 in 2,381 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 2 locations within about half a mile of this property, a small sample
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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