46036 River Breaks Rd, Polson, MT 59860 Property Records

Lake County property record for 46036 River Breaks Rd, Polson, MT 59860

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 1,744 sqft · built 2001
Lot Size	20 acres (873,552 sqft)
Owner	2 Individual Names on Record
Last Sale	$598,500 (May 2023)
Tax Bill	$5,350 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R1523083`

Property Details

APN / Parcel Number

Primary APN	`R1523083`
Alternative APNs	`15-3227-32-1-01-14-0000` `0000029546`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,744 sqft Living Area
1st Floor Area	1,744 sqft
Basement Area	1,542 sqft
Finished Basement	1,542 sqft
Family Room	Family Room

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	873,552 sqft (20 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,768 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Deck Area	120 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000029546
Street Address	46036 RIVER BREAKS RD
City	POLSON
State	MT
Zip	59860-8334
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	BELMOR SUBDIVISION, S32, T22 N, R21 W, LOT 2, ACRES 20.054
Legal Range	21W
Legal Township	22N
Legal Section	32
Legal Subdivision	BELMOR SUBDIVISION
Legal Block	XXX
Legal Lot Number	2
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	1
Census Block	1029
Census Tract	940400

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	46036 RIVER BREAKS RD, POLSON, MT 59860-8334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 23, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2023 · Amount on Record
Deed Sale	May 23, 2023 · Amount on Record
Deed Document Number	2023604949
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	6522 RIVER BREAKS LN, POLSON, MT 59860
Transaction Type	Mortgage
Record Updated	Jul 5, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000589763
Date	Jun 30, 2021
Instrument	589763

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	6522 RIVER BREAKS LN, POLSON, MT 59860
Transaction Type	Mortgage
Record Updated	Jul 5, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000595994
Date	Feb 11, 2022
Instrument	595994

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	May 23, 2023
Property Address	6522 RIVER BREAKS LN, POLSON, MT 59860
Document Number	0000604949
Instrument Date	May 22, 2023
Instrument	604949
Transaction Type	Transfer
Record Updated	Jul 5, 2023
Title Company	NOT AVAILABLE, FLYINGS 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
Address	46036 RIVER BREAKS RD, POLSON, MT 59860-8334

Mortgage

Document Number	0000604950
Date	May 23, 2023
Instrument	604950

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,350.00 (+65.53%)	$613,738 (-)
2025	$3,232.00 (-12.25%)	$613,738 (+36.33%)	$613,738 (+36.33%) Land $95,458 Building $518,280
2023	$3,683.00 (+12.15%)	$450,189 (+29.9%)	$450,189 (+29.9%) Land $49,249 Building $400,940
2022	$3,284.00	$346,565
2021			$346,565 Land $35,655 Building $310,910

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 80% of the US · lower than 93% of Montana
Wildfire Likelihood	0.01% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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