43970 Three Bear Ln, Ronan, MT 59864 Property Records

Lake County property record for 43970 Three Bear Ln, Ronan, MT 59864

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,416 sqft · built 1980
Lot Size	2.13 acres (92,783 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,500 (Oct 2021)
Tax Bill	$1,982 (2026)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R157145`

Property Details

APN / Parcel Number

Primary APN	`R157145`
Alternative APNs	`15-3104-17-3-01-03-0000` `0000004931`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,416 sqft Living Area
1st Floor Area	1,416 sqft
Basement Area	1,416 sqft
Finished Basement	1,416 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	92,783 sqft (2.13 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	888 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	546 sqft
Shed	1 Shed
Lean-To	132 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000004931
Street Address	43970 THREE BEAR LN
City	RONAN
State	MT
Zip	59864-9187
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S17, T21 N, R19 W, C.O.S. 5092, PARCEL B, ACRES 2.13, S2NESW
Legal Range	19W
Legal Township	21N
Legal Section	17
Legal Lot Number	B
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	3
Census Block	3019
Census Tract	940400

Owner

Source: Lake County records, as of October 20, 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	43970 THREE BEAR LN, RONAN, MT 59864-9187
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2021 · Amount on Record
Deed Sale	Oct 22, 2021 · Amount on Record
Deed Document Number	2021593141
Prior Transfer Date	Mar 15, 2018
Prior Transfer Doc	0000561166
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Oct 22, 2021
Property Address	43970 THREE BEAR LN, RONAN, MT 59864-9187
Document Number	593141
Instrument Date	Mar 28, 2019
Instrument	593141
Transaction Type	Transfer
Record Updated	Nov 3, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	34 MOOSE TRAIL LOOP, 34, THOMPSON FALLS, MT 59873-9331

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	43970 THREE BEAR LN, RONAN, MT 59864-9187

Mortgage

Document Number	593137
Date	Oct 22, 2021
Instrument	593137

Lender

Name	VALLEY BANK OF RONAN
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2026
Change Frequency	5 Years
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Max Rate	10.5%

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	$1,982.00 (-9.46%)	$502,700 (-)
2025	$2,189.00 (-16.74%)	$502,700 (+31.7%)	$502,700 (+31.7%) Land $129,662 Building $373,038
2023	$2,629.00	$381,700	$381,700 Land $73,785 Building $307,915

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 65% of the US · above 43% of Montana
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Western Montana CommunityTel Fiber	100 / 100