440 Judith Rd, Kalispell, MT 59901 Property Records

Flathead County property record for 440 Judith Rd, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,066 sqft · built 2006
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$442,225 (Jul 2023)
Tax Bill	$1,534 (2026)
Deeds & Mortgages	Jun 2019 Reverse Mortgage Jul 2023 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`R0748097`

Property Details

APN / Parcel Number

Primary APN	`R0748097`
Alternative APNs	`07-4078-33-2-02-11-0000` `0000009324`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,066 sqft Living Area
1st Floor Area	1,066 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,750 sqft (0.132 acres)
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	56 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000009324
Street Address	440 JUDITH RD
City	KALISPELL
State	MT
Zip	59901-2308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JOHNS GARDEN ACRES, S33, T29 N, R21 W, LOT 040
Legal Range	21W
Legal Township	29N
Legal Section	33
Legal Subdivision	JOHNS GARDEN ACRES
Legal Lot Number	40
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	2
Census Block	2003
Census Tract	700

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	440 JUDITH RD, KALISPELL, MT 59901-2308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2019	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jul 18, 2023	Personal Representative Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 7, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2023 · Amount on Record
Deed Sale	Jul 18, 2023 · Amount on Record
Prior Sale	May 16, 2006 · Amount on Record
Deed Document Number	202310840
Prior Transfer Date	May 7, 2019
Prior Transfer Doc	0000008541
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	440 JUDITH RD, KALISPELL, MT 59901-2308
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900012985
Date	Jun 27, 2019
Instrument	201900012985

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	807 Months
Due	Sep 9, 2086

Interest

Rate Type	Adjustable Rate
Rate	5.47%
Type Change Date	Jul 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

July 2023: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jul 18, 2023
Property Address	440 JUDITH RD, KALISPELL, MT 59901-2308
Document Number	202300010840
Instrument Date	Jul 18, 2023
Instrument	202300010840
Transaction Type	Transfer
Record Updated	Aug 14, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	440 JUDITH RD, KALISPELL, MT 59901-2308

Mortgage

Document Number	202300010841
Date	Jul 18, 2023
Instrument	202300010841

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLATHEAD MT
Recording Date	May 7, 2019
Property Address	440 JUDITH RD, KALISPELL, MT 59901-2308
Document Number	201900008541
Instrument Date	May 7, 2019
Instrument	201900008541
Transaction Type	Transfer
Record Updated	Aug 14, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	440 JUDITH RD, KALISPELL, MT 59901-2308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 JUDITH RD, KALISPELL, MT 59901-2308

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	Evergreen Elementary School District (PK - 08)
Secondary School District	Flathead High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,534.00 (+3.86%)	$376,200 (+12.74%)
2025			$376,200 (+12.74%) Land $83,860 Building $292,340
2023	$1,477.00	$333,700	$333,700 Land $67,038 Building $266,662

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	5 (1980–2011)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Jun 2011 · Severe Storms And Flooding
Claims by Event	Severe Storms,ice Jams, Snow Melt, Flooding, May 1997 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FLATHEAD COUNTY WATER AND SEWER serves 9,520 people · EPA ID MT0001744
Water Source	Groundwater
Last State Inspection	Aug 2022
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
Bullitt Communications Fixed Wireless	100 / 50

May also be available: AT&T, MontanaSky Networks, Verizon, Vero Fiber.

Nearby Properties on Judith Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures