445 Hilltop Ave, Kalispell, MT 59901 Property Records

Flathead County property record for 445 Hilltop Ave, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,183 sqft · built 2016
Lot Size	0.202 acres (8,799 sqft)
Owner	2 Individual Names on Record
Last Sale	$684,950 (Nov 2024)
Tax Bill	$3,511 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R606028`

Property Details

APN / Parcel Number

Primary APN	`R606028`
Alternative APNs	`07-3965-01-2-10-19-0000` `0000504355`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,183 sqft Living Area
1st Floor Area	1,183 sqft
Basement Area	1,183 sqft
Finished Basement	1,183 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Bi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,799 sqft (0.202 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	49 sqft
Deck Area	49 sqft
Patio Area	169 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000504355
Street Address	445 HILLTOP AVE
City	KALISPELL
State	MT
Zip	59901-2518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHLAND SUB PHASE 3, S01, T28 N, R22 W, LOT 16
Legal Range	22W
Legal Township	28N
Legal Section	01
Legal Subdivision	NORTHLAND SUB PHASE 3
Legal Lot Number	16
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	1
Census Block	1000
Census Tract	902

Owner

Source: Flathead County records, as of September 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	445 HILLTOP AVE, KALISPELL, MT 59901-2518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Jan 17, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST MONTANA BANK INC
Jan 7, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2024 · Amount on Record
Deed Sale	Nov 25, 2024 · Amount on Record
Prior Sale	Oct 7, 2022
Deed Document Number	202423796
Last Transfer Date	Feb 25, 2025
Transfer Doc	0000003718
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	445 HILLTOP AVE, KALISPELL, MT 59901-2518
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000038086
Date	Nov 12, 2020
Instrument	202000038086

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jan 17, 2020
Property Address	445 HILLTOP AVE, KALISPELL, MT 59901-2518
Document Number	202000001451
Instrument Date	Jan 17, 2020
Instrument	202000001451
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	INSURED TITLE, INSURED TITLES

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	445 HILLTOP AVE, KALISPELL, MT 59901-2518

Mortgage

Document Number	202000001452
Date	Jan 17, 2020
Instrument	202000001452

Lender

Name	FIRST MONTANA BANK INC
Type	Bank

Agreement

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

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Jan 7, 2020
Property Address	445 HILLTOP AVE, KALISPELL, MT 59901-2518
Document Number	202000000431
Instrument Date	Apr 12, 2018
Instrument	202000000431
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 116, SIMMS, MT 59477-0116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 HILLTOP AVE, KALISPELL, MT 59901-2518

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,511.00 (+0.95%)	$625,000 (-)
2025	$3,478.00 (-32.35%)	$625,000 (+21.69%)	$625,000 (+21.69%) Land $120,648 Building $504,352
2023	$5,141.00	$513,600	$513,600 Land $78,606 Building $434,994

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	Low lower than 98% of the US · lower than 99.5% of Montana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	KALISPELL PUBLIC WORKS serves 25,000 people · EPA ID MT0000259
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Bullitt Communications Fixed Wireless	100 / 50
MontanaSky Networks Fixed Wireless	100 / 20

May also be available: Verizon.

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