448 Bear Trl, Whitefish, MT 59937 Property Records

Flathead County property record for 448 Bear Trl, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,384 sqft · built 1964
Lot Size	0.486 acres (21,170 sqft)
Owner	Individual Name on Record
Last Sale	$399,400 (Oct 2020)
Tax Bill	$3,136 (2026)
Deeds & Mortgages	Sep 2017 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0779870`

Property Details

APN / Parcel Number

Primary APN	`R0779870`
Alternative APNs	`07-4184-36-1-12-01-0000` `0000724403`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,384 sqft Living Area
1st Floor Area	1,384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,170 sqft (0.486 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	352 sqft
Deck Area	317 sqft
Shed	1 Shed
Shed Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000724403
Street Address	448 BEAR TRL
City	WHITEFISH
State	MT
Zip	59937-8428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	HAPPY VALLEY HOME SITES, S36, T30 N, R22 W, LOT 482, COS 20428, ASSR# 0000724403
Legal Range	22W
Legal Township	30N
Legal Section	36
Legal Subdivision	HAPPY VALLEY HOME SITES
Legal Lot Number	482
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	2
Census Block	2017
Census Tract	403

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	Individual Name on Record
Mailing Address	7611 SANDS TERRACE LN, SPRING, TX 77389-2131
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CU
Oct 16, 2020	Warranty Deed, Transfer · Conventional Mortgage GLACIER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Prior Sale	Apr 10, 2012 · Amount on Record
Deed Document Number	202034685
Prior Transfer Date	Jul 16, 2009
Prior Transfer Doc	0000021245
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	448 BEAR TRL, WHITEFISH, MT 59937-8428
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700024320
Date	Sep 29, 2017
Instrument	201700024320

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 15, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	6 Months

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Oct 16, 2020
Property Address	448 BEAR TRL, WHITEFISH, MT 59937-8428
Document Number	202000034685
Instrument Date	Oct 16, 2020
Instrument	202000034685
Transaction Type	Transfer
Record Updated	Aug 10, 2021
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
Address	7611 SANDS TERRACE LN, SPRING, TX 77389-2131

Mortgage

Document Number	202000034686
Date	Oct 16, 2020
Instrument	202000034686

Lender

Name	GLACIER BANK
Type	Bank

Agreement

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

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	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	$3,136.00 (+13.62%)	$498,400 (+11.05%)
2025			$498,400 (+11.05%) Land $112,638 Building $385,762
2023	$2,760.00	$448,800	$448,800 Land $81,516 Building $367,284

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 47% of the US · lower than 77% of Montana
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TIMBERS AT WHITEFISH THE private · serves 40 people · EPA ID MT0004657
Water Source	Groundwater
Last State Inspection	Apr 2026
Lead	2 ppb (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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
MontanaSky Networks Fiber	1,000 / 1,000

May also be available: Verizon.

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