46630 Spinnaker Ln, Elmo, MT 59915 Property Records

Lake County property record for 46630 Spinnaker Ln, Elmo, MT 59915

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 936 sqft · built 2003
Lot Size	0.367 acres (15,987 sqft)
Owner	2 Individual Names on File
Last Sale	$281,300 (Oct 2012)
Tax Bill	$2,094 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R1523985`

Property Details

APN / Parcel Number

Primary APN	`R1523985`
Alternative APNs	`15-3467-19-2-15-06-0000` `0000031606`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Shingles
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,987 sqft (0.367 acres)
Terrain	Rolling
View / Lot	Waterfront / Beach
Garage Type	Detached
Garage Area	1,128 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	192 sqft
Shed	1 Shed
Shed Area	96 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000031606
Street Address	46630 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 17, ACRES 0.367, 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	1,16-17
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	2
Census Block	2049
Census Tract	940306

Owner

46630 Spinnaker Ln is owned by two individuals who acquired it in November 2013.

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	PO BOX 205, ELMO, MT 59915-0205
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2012 · Amount on File
Deed Sale	Oct 1, 2012 · Amount on File
Deed Document Number	2012523960
Last Transfer Date	Nov 22, 2013
Transfer Doc	0000532843
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	46630 SPINNAKER LN, ELMO, MT 59915-7709
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 6TH ST W 303, 303, POLSON, MT 59860-2625

Mortgage

Document Number	0000606932
Date	Aug 29, 2023
Instrument	606932

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 46630 Spinnaker Ln was $2,094, down 16.9% from the year before.

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,094.00 (-16.94%)	$546,300 (-)
2025	$2,521.00	$546,300	$546,300 Land $248,719 Building $297,581
2023	$2,818.00	$391,900	$391,900 Land $136,897 Building $255,003

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 46630 Spinnaker Ln in Zone X, an area of minimal flood risk, within 500 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 500 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

Wildfire risk around 46630 Spinnaker Ln is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 72% of Montana
Wildfire Likelihood	0.1% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ELMO WATER SYSTEM tribal government · serves 220 people · EPA ID 083090024
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	4 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

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