Lake County property record for 46597 Spinnaker Ln, Elmo, MT 59915
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,990 sqft · built 2023 |
| Lot Size | 0.332 acres (14,462 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $8,046 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | R1523990 |
| Primary APN | R1523990 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,990 sqft Living Area |
| 1st Floor Area | 1,990 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,462 sqft (0.332 acres) |
| Lot Dimensions | 186 ft deep x 80 ft wide |
| Terrain | Rolling |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 428 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000031611 |
|---|---|
| Street Address | 46597 SPINNAKER LN |
| City | ELMO |
| State | MT |
| Zip | 59915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTH BIG ARM BAY SUBD 300, S19, T24 N, R21 W, LOT 3, ACRES 0.341, 1/25 INT COMMON AREA LOTS 1,16,26,27,28 |
| Legal Range | 21W |
| Legal Township | 24N |
| Legal Section | 19 |
| Legal Subdivision | NORTH BIG ARM BAY SUBD |
| Legal Lot Number | 1,3,16 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 2 |
| Census Block | 2049 |
| Census Tract | 940306 |
46597 Spinnaker Ln is held in a trust since June 2022.
Source: Lake County records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | PO BOX 1994, KALISPELL, MT 59903-1994 |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2022 |
| Deed Sale | Jun 29, 2022 |
| Prior Sale | Jan 5, 2005 |
| Deed Document Number | 2022599092 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 46597 Spinnaker Ln was $8,046, up 60.3% from the year before.
Source: Lake County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Lake County |
| Elementary School District | Polson Elementary School District (PK - 08) |
| Secondary School District | Polson High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,046.00 (+60.31%) | $1,107,930 (-) | |
| 2025 | $5,019.00 | $1,107,930 | $1,107,930 Land $478,000 Building $629,930 |
| 2023 | $1,889.00 | $314,000 | $314,000 Land $314,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46597 Spinnaker Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 46597 Spinnaker Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 98.9% of Montana |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Western Montana CommunityTel Fixed Wireless · Fiber in parts of the area | 25 / 10 |
| CenturyLink DSL | 10 / 1 |
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