448 7th St W, Whitefish, MT 59937 Property Records

Flathead County property record for 448 7th St W, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,644 sqft · built 1915
Lot Size	0.909 acres (39,596 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,225 (2026)
Deeds & Mortgages	May 2022 Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R0785786`

Property Details

APN / Parcel Number

Primary APN	`R0785786`
Alternative APNs	`07-4292-36-3-05-01-0000` `0000898054`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,644 sqft Living Area
1st Floor Area	1,644 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,596 sqft (0.909 acres)
Lot Dimensions	270 ft deep x 132 ft wide
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	252 sqft
Patio Area	489 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000898054
Street Address	448 W 7TH ST
City	WHITEFISH
State	MT
Zip	59937-3215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	SOUTH WHITEFISH, S36, T31 N, R22 W, BLOCK 004, LOT 003, SOUTH WHITEFISH SOUTH WHITEFISH ABD S2 6TH ST W NL3
Legal Range	22W
Legal Township	31N
Legal Section	36
Legal Subdivision	SOUTH WHITEFISH
Legal Block	4
Legal Lot Number	3
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	3
Census Block	3016
Census Tract	402

Owner

448 7th St W is owned and occupied by two individuals.

Source: Flathead County records, as of October 21, 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 File
Mailing Address	448 W 7TH ST, WHITEFISH, MT 59937-3215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 10, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 24, 2017	Deed of Trust, Mortgage · Construction Mortgage GLACIER BANK
Jun 23, 2017	Deed of Trust, Mortgage · VA Mortgage GLACIER BANK
Jul 9, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	448 7TH ST W, WHITEFISH, MT 59937-3215
Transaction Type	Mortgage
Record Updated	May 20, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200011795
Date	May 6, 2022
Instrument	202200011795

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	448 7TH ST W, WHITEFISH, MT 59937-3215
Transaction Type	Mortgage
Record Updated	Mar 29, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100008159
Date	Mar 10, 2021
Instrument	202100008159

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	317 Months
Due	Aug 1, 2047

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	448 7TH ST W, WHITEFISH, MT 59937-3215
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700001790
Date	Jan 24, 2017
Instrument	201700001790

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.95%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2022
Change Frequency	Annually
Min Rate At Change	3.86%
Max Rate At Change	8.95%
Index	5-Year CMT
Margin	3
Max Rate	8.95%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	448 7TH ST W, WHITEFISH, MT 59937-3215
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700012887
Date	Jun 23, 2017
Instrument	201700012887

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	448 7TH ST W, WHITEFISH, MT 59937-3215
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	ALLIANCE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000018863
Date	Jul 9, 2020
Instrument	202000018863

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 448 7th St W was $4,225, down 9.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,225.00 (-9.12%)	$1,234,900 (-)
2025	$4,649.00	$1,234,900	$1,234,900 Land $359,660 Building $875,240
2023	$5,716.00	$832,400	$832,400 Land $302,840 Building $529,560

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 448 7th St W in Zone X, an area of minimal flood risk.

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

Wildfire risk around 448 7th St W is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 87% of Montana
Wildfire Likelihood	0.03% 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 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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