46238 River Breaks Rd, Polson, MT 59860 Property Records

Lake County property record for 46238 River Breaks Rd, Polson, MT 59860

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,392 sqft · built 1984
Lot Size	20 acres (872,071 sqft)
Owner	Company Name on Record
Tax Bill	$3,708 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R1517454`

Property Details

APN / Parcel Number

Primary APN	`R1517454`
Alternative APNs	`15-3227-32-1-01-02-0000` `0000014716`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,392 sqft Living Area
1st Floor Area	1,392 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2010
Architectural Style	Rustic
Exterior Material	Other
Construction Type	Log
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	872,071 sqft (20 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	216 sqft
Shed	1 Shed
Lean-To	Lean-To
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000014716
Street Address	46238 RIVER BREAKS RD
City	POLSON
State	MT
Zip	59860-8335
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	S32, T22 N, R21 W, C.O.S. 7537, ACRES 20.02, TR 1
Legal Range	21W
Legal Township	22N
Legal Section	32
Legal Tract	1
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	1
Census Block	1024
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	Company Name on Record
Mailing Address	46238 RIVER BREAKS RD, POLSON, MT 59860-8335
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
Feb 6, 2024	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jun 30, 2022	Deed of Trust, Mortgage · Line of Credit GLACIER BANK
Oct 15, 2021	Sheriff's Deed, Foreclosure Foreclosure Auction
Oct 15, 2021	Deed, Transfer
Mar 11, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2024
Deed Sale	Jun 7, 2024
Prior Sale	May 22, 2023
Deed Document Number	2024611153
Prior Transfer Date	Nov 30, 2021
Prior Transfer Doc	0000594200
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	46238 RIVER BREAKS RD, POLSON, MT 59860-8335
Transaction Type	Mortgage
Record Updated	Mar 25, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46238 RIVER BREAKS RD, POLSON, MT 59860-8335

Mortgage

Document Number	0000637389
Date	Mar 5, 2026
Instrument	637389

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2046

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	46238 RIVER BREAKS RD, POLSON, MT 59860-8335
Transaction Type	Mortgage
Record Updated	Feb 21, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	147 SAINT JAMES CT, DANVILLE, CA 94526-5203

Mortgage

Document Number	0000609400
Date	Feb 6, 2024
Instrument	609400

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	46238 RIVER BREAKS RD, POLSON, MT 59860-8335
Transaction Type	Mortgage
Record Updated	Jul 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39407 KINGS POINT RD, POLSON, MT 59860-8201

Mortgage

Document Number	0000599155
Date	Jun 30, 2022
Instrument	599155

Lender

Name	GLACIER BANK
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	LAKE MT
Recording Date	Oct 15, 2021
Property Address	46238 RIVER BREAKS RD, POLSON, MT 59860-8335
Document Number	592892
Instrument Date	Oct 15, 2021
Instrument	592892
Transaction Type	Foreclosure
Record Updated	Oct 27, 2021

Transaction

Tax	$0.00
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE MT
Recording Date	Oct 15, 2021
Property Address	46238 RIVER BREAKS RD, POLSON, MT 59860-8335
Document Number	592893
Instrument Date	Oct 12, 2021
Instrument	592893
Transaction Type	Transfer
Record Updated	Oct 27, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39515 APPLE RD, POLSON, MT 59860-8371

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE MT
Recording Date	Mar 11, 2021
Property Address	46238 RIVER BREAKS RD, POLSON, MT 59860-8335
Document Number	0000586433
Instrument Date	Mar 10, 2021
Instrument	586433
Transaction Type	Transfer
Record Updated	Jan 30, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46238 RIVER BREAKS RD, POLSON, MT 59860-8335

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	$3,708.00 (+73.68%)	$391,596 (-)
2025	$2,135.00 (-15.88%)	$391,596 (+42.73%)	$391,596 (+42.73%) Land $95,456 Building $296,140
2023	$2,538.00	$274,358	$274,358 Land $49,248 Building $225,110

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	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 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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