Lake County property record for 46651 Spinnaker Ln, Elmo, MT 59915
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,076 sqft · built 2008 |
| Lot Size | 0.406 acres (17,685 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $5,305 (2026) |
| Deeds & Mortgages | Apr 2024 Second Mortgage Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R1523994 |
| Primary APN | R1523994 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,076 sqft Living Area |
| 1st Floor Area | 2,076 sqft |
| Basement Area | 2,076 sqft |
| Finished Basement | 2,076 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Flat |
| Roof Material | Asphalt |
| Lot Area | 17,685 sqft (0.406 acres) |
| Lot Dimensions | 221 ft deep x 80 ft wide |
| Terrain | Rolling |
| View / Lot | Waterfront / Beach |
| Garage Area | 2,004 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 130 sqft |
| Deck Area | 426 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000031615 |
|---|---|
| Street Address | 46651 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 8, ACRES 0.405, 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 | 1,8,16 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 2 |
| Census Block | 2049 |
| Census Tract | 940306 |
46651 Spinnaker Ln is held in a trust since January 2026.
Source: Lake County records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 112 LUPFER MEADOWS PL, WHITEFISH, MT 59937 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 18, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Mar 17, 2021 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Jul 7, 2017 | Deed of Trust, Mortgage · Conventional Mortgage GLACIER BANK |
| Jun 22, 2017 | Deed of Trust, Mortgage · Conventional Mortgage GLACIER BANK |
| Mar 12, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 30, 2026 |
| Transfer Doc | 0000636831 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 46651 SPINNAKER LN, ELMO, MT 59915-7709 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000610334 |
|---|---|
| Date | Apr 18, 2024 |
| Instrument | 610334 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 46651 SPINNAKER LN, ELMO, MT 59915-7709 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 586576 |
|---|---|
| Date | Mar 17, 2021 |
| Instrument | 586576 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 46651 SPINNAKER LN, ELMO, MT 59915-7709 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 555994 |
|---|---|
| Date | Jul 7, 2017 |
| Instrument | 555994 |
| Name | GLACIER BANK |
|---|---|
| Type | Bank |
| Address | KALISPELL, MT 59901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 46651 SPINNAKER LN, ELMO, MT 59915-7709 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 555747 |
|---|---|
| Date | Jun 22, 2017 |
| Instrument | 555747 |
| Name | GLACIER BANK |
|---|---|
| Type | Bank |
| Address | KALISPELL, MT 59901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 46651 SPINNAKER LN, ELMO, MT 59915-7709 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 575890 |
|---|---|
| Date | Mar 12, 2020 |
| Instrument | 575890 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2026 property tax bill for 46651 Spinnaker Ln was $5,305, down 19% 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 | $5,305.00 (-18.98%) | $1,389,600 (-) | |
| 2025 | $6,548.00 | $1,389,600 | $1,389,600 Land $478,000 Building $911,600 |
| 2023 | $6,843.00 | $1,074,100 | $1,074,100 Land $314,000 Building $760,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46651 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 46651 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.
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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