45292 Locust Ln, Charlo, MT 59824 Property Records

Lake County property record for 45292 Locust Ln, Charlo, MT 59824

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,184 sqft · built 1930
Lot Size	39.4 acres (1,716,264 sqft)
Owner	2 Individual Names on Record
Last Sale	$957,600 (Mar 2026)
Tax Bill	$8,335 (2026)
Deeds & Mortgages	Mar 2026 Sale Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R1512644`

Property Details

APN / Parcel Number

Primary APN	`R1512644`
Alternative APNs	`15-2867-06-1-01-05-0000` `0000011559`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,184 sqft Living Area
1st Floor Area	1,184 sqft
Basement Area	1,024 sqft
Finished Basement	1,024 sqft
Unfinished Basement	1,024 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,716,264 sqft (39.4 acres)
Garage Type	Detached
Garage Area	3,072 sqft
Parking Spaces	7 Parking Spaces
Porch	Slab
Porch Area	1,000 sqft
Lean-To	644 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000011559
Street Address	45292 LOCUST LN
City	CHARLO
State	MT
Zip	59824-9465
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	S06, T19 N, R21 W, ACRES 39.4, SW4SE4
Legal Range	21W
Legal Township	19N
Legal Section	06
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	1
Census Block	1138
Census Tract	940500

Owner

Source: Lake County records, as of October 20, 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	704 E 13TH ST, C, WHITEFISH, MT 59937-2994
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Warranty Deed, Transfer FLYING S T&E OF MT INC
Apr 13, 2022	Deed of Trust, Mortgage · Commercial Mortgage EAGLE BANK
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK
Apr 22, 2019	Deed of Trust, Mortgage · ARM EAGLE BANK
May 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2026 · Amount on Record
Deed Sale	Mar 24, 2026 · Amount on Record
Prior Sale	Aug 11, 2016
Deed Document Number	2026637712
Prior Transfer Date	May 14, 2021
Prior Transfer Doc	0000588479
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Mar 24, 2026
Property Address	45292 LOCUST LN, CHARLO, MT 59824-9465
Document Number	0000637712
Instrument Date	Mar 23, 2026
Instrument	637712
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	FLYING S T&E OF MT INC

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	704 E 13TH ST # 507, 507, WHITEFISH, MT 59937-2993

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	45292 LOCUST LN, CHARLO, MT 59824-9465
Transaction Type	Mortgage
Record Updated	Apr 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45292 LOCUST LN, CHARLO, MT 59824-9465

Mortgage

Document Number	0000597473
Date	Apr 13, 2022
Instrument	597473

Lender

Name	EAGLE BANK
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Mar 2, 2032

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	45292 LOCUST LN, CHARLO, MT 59824-9465
Transaction Type	Mortgage
Record Updated	Mar 16, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	585964
Date	Feb 24, 2021
Instrument	585964

Lender

Name	EAGLE BANK
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	45292 LOCUST LN, CHARLO, MT 59824-9465
Transaction Type	Mortgage
Record Updated	May 10, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	568745
Date	Apr 22, 2019
Instrument	568745

Lender

Name	EAGLE BANK
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	ARM
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2039

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	8%
Index	Prime Rate
Max Rate	12%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	45292 LOCUST LN, CHARLO, MT 59824-9465
Transaction Type	Mortgage
Record Updated	Jun 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	562027
Date	May 11, 2018
Instrument	562027

Lender

Name	EAGLE BANK
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Jun 1, 2023

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Montana
County	Lake County
Elementary School District	Charlo Elementary School District (PK - 08)
Secondary School District	Charlo High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,335.00 (+113.77%)	$768,863 (+51.93%)
2025	$3,899.00 (-11.61%)	$506,073 (+24.16%)	$768,863 (+88.63%) Land $96,633 Building $672,230
2023	$4,411.00	$407,605	$407,605 Land $50,315 Building $357,290

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 80% of the US · lower than 93% of Montana
Wildfire Likelihood	0.02% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Blackfoot Telephone Cooperative DSL	40 / 5

Cell Coverage

No cell data coverage reported

Nearby Properties on Locust Ln

Nearby Streets

All Charlo, MT Property Records

Search Property Records by Address or Parcel Number

Search by:

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