Lake County property record for 46609 Spinnaker Ln, Elmo, MT 59915
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,579 sqft · built 2019 |
| Lot Size | 0.347 acres (15,115 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $7,697 (2026) |
| Deeds & Mortgages | Aug 2022 Line of Credit Aug 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R1523991 |
| Primary APN | R1523991 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,579 sqft Living Area |
| 1st Floor Area | 1,579 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,115 sqft (0.347 acres) |
| Lot Dimensions | 188 ft deep x 75 ft wide |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 732 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000031612 |
|---|---|
| Street Address | 46609 SPINNAKER LN |
| City | ELMO |
| State | MT |
| Zip | 59915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTH BIG ARM BAY SUBD, S19, T24 N, R21 W, LOT 4, ACRES 0.35, 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 | 1,4,16 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 2 |
| Census Block | 2049 |
| Census Tract | 940306 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 1076, HAVANA, FL 32333-1076 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2022 | Deed of Trust, Mortgage · Line of Credit FIRSTOAK BANK |
| Aug 7, 2023 | Warranty Deed, Transfer NOT AVAILABLE, FLYING S T&E OF MOTANA INC |
| Aug 11, 2017 | Warranty Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2023 |
| Deed Sale | Aug 7, 2023 |
| Prior Sale | Aug 11, 2017 |
| Deed Document Number | 2023606420 |
| Prior Transfer Date | Dec 27, 2011 |
| Prior Transfer Doc | 0000518605 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 46609 SPINNAKER LN, ELMO, MT 59915-7709 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000600695 |
|---|---|
| Date | Aug 26, 2022 |
| Instrument | 600695 |
| Name | FIRSTOAK BANK |
|---|---|
| Type | Bank |
| Address | PUEBLO, CO 81008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 26, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MT |
| Recording Date | Aug 7, 2023 |
| Property Address | 46609 SPINNAKER LN, ELMO, MT 59915-7709 |
| Document Number | 0000606420 |
| Instrument Date | Jul 25, 2023 |
| Instrument | 606420 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2023 |
| Title Company | NOT AVAILABLE, FLYING S T&E OF MOTANA INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1076, HAVANA, FL 32333-1076 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MT |
| Recording Date | Aug 11, 2017 |
| Property Address | 46609 SPINNAKER LN, ELMO, MT 59915-7709 |
| Document Number | 0000557084 |
| Instrument Date | Aug 8, 2017 |
| Instrument | 557084 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2023 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | PO BOX 202, ROLLINS, MT 59931-0202 |
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 | $7,697.00 (+59.49%) | $1,032,600 (-) | |
| 2025 | $4,826.00 (+10.61%) | $1,032,600 (+56.01%) | $1,032,600 (+56.01%) Land $478,000 Building $554,600 |
| 2023 | $4,363.00 | $661,900 | $661,900 Land $314,000 Building $347,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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