Lake County property record for 46615 Spinnaker Ln, Elmo, MT 59915
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,510 sqft · built 1996 |
| Lot Size | 0.358 acres (15,594 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,762 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | R1523981 |
| Primary APN | R1523981 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,510 sqft Living Area |
| 1st Floor Area | 1,510 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 15,594 sqft (0.358 acres) |
| Lot Dimensions | 195 ft deep x 80 ft wide |
| View / Lot | Mountain |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 210 sqft |
| Deck Area | 156 sqft |
| Shed | 1 Shed |
| Shed Area | 140 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000031602 |
|---|---|
| Street Address | 46615 SPINNAKER LN |
| City | ELMO |
| State | MT |
| Zip | 59915-7709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTH BIG ARM BAY SUBD, S19, T24 N, R21 W, LOT 5, ACRES 0.357, 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 | 1,5,16 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 2 |
| Census Block | 2049 |
| Census Tract | 940306 |
46615 Spinnaker Ln, a single family home, is owned by two individuals.
Source: Lake County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1511 18 AVE S LETHBRIDGE AB |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 46615 Spinnaker Ln was $2,762, down 21.3% 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 | $2,762.00 (-21.29%) | $758,900 (-) | |
| 2025 | $3,509.00 | $758,900 | $758,900 Land $478,000 Building $280,900 |
| 2023 | $3,924.00 | $584,000 | $584,000 Land $314,000 Building $270,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46615 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 46615 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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