44077 Buffalo Rd, Elmo, MT 59915 Property Records

Lake County property record for 44077 Buffalo Rd, Elmo, MT 59915

Property Summary

Property Type	Rural Home
Details	3 bd · 4 ba · 4,137 sqft · built 2023
Lot Size	10.7 acres (468,618 sqft)
Owner	Individual Name on Record
Tax Bill	$10,687 (2025)
Deeds & Mortgages	Feb 2021 Sale Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R1516993`

Property Details

APN / Parcel Number

Primary APN	`R1516993`
Alternative APNs	`15-3467-15-3-01-05-0000` `0000014326`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	4,137 sqft Living Area
1st Floor Area	4,137 sqft

Exterior

Year Built	Built 2023
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	468,618 sqft (10.7 acres)
Terrain	Rolling
Garage Type	Mixed
Parking Spaces	12 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	1,075 sqft
Deck Area	Deck Area
Patio Area	512 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	0000014326
Street Address	44077 BUFFALO RD
City	ELMO
State	MT
Zip	59915
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	S15, T24 N, R21 W, C.O.S. 2145, ACRES 10.758, TR 8 IN GOV LOT 4 LESS R/W
Legal Tract	8
Legal Lot Number	4
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	2
Census Block	2103
Census Tract	940306

Owner

Source: Lake County records, as of October 13, 2025

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	PO BOX 121, DAYTON, MT 59914-0121
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Warranty Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO
Sep 11, 2020	Warranty Deed, Transfer · Conventional Mortgage GLACIER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2021
Deed Sale	Feb 24, 2021
Prior Sale	Sep 11, 2020
Deed Document Number	585950
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Feb 24, 2021
Property Address	44077 BUFFALO RD, ELMO, MT 59915
Document Number	0000585950
Instrument Date	Feb 11, 2021
Instrument	585950
Transaction Type	Transfer
Record Updated	Aug 10, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

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
Address	2017 BROWNS MEADOW RD, KILA, MT 59920-8526

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Sep 11, 2020
Property Address	44077 BUFFALO RD, ELMO, MT 59915
Document Number	0000580828
Instrument Date	Sep 9, 2020
Instrument	580828
Transaction Type	Transfer
Record Updated	Aug 10, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 947, HOLLY SPRINGS, NC 27540-0947

Mortgage

Document Number	0000580829
Date	Sep 11, 2020
Instrument	580829

Lender

Name	GLACIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 10, 2035

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2025
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	11%
Index	5-Year CMT
Max Rate	16%

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 31, 2024

Property Jurisdictions

Type	Name
State	Montana
County	Lake County
Elementary School District	Upper West Shore Elementary School District (PK - 08)
Secondary School District	Polson High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,687.00 (+289.33%)	$2,106,600 (+337.88%)	$2,106,600 (+337.88%) Land $419,131 Building $1,687,469
2023	$2,745.00	$481,088	$481,088 Land $238,728 Building $242,360

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	Low lower than 94% of the US · lower than 98.6% of Montana
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 12 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 Fixed Wireless	25 / 10

May also be available: T-Mobile.

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