Lake County property record for 46660 Spinnaker Ln, Elmo, MT 59915
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,436 sqft · built 1996 |
| Lot Size | 0.367 acres (15,987 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,955 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | R1523986 |
| Primary APN | R1523986 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,436 sqft Living Area |
| 1st Floor Area | 1,436 sqft |
| Basement Area | 1,436 sqft |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,987 sqft (0.367 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 540 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000031607 |
|---|---|
| Street Address | 46660 SPINNAKER LN |
| City | ELMO |
| State | MT |
| Zip | 59915-7709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | NORTH BIG ARM BAY SUBD, S19, T24 N, R21 W, LOT 18, ACRES 0.367, 1/25 INT COMMON AREA LOTS 1,16,26,27,28 |
| Legal Subdivision | NORTH BIG ARM BAY SUBD |
| Legal Lot Number | 1,16,18 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 2 |
| Census Block | 2049 |
| Census Tract | 940306 |
Source: Lake County records · APN R1523986
Assessment roll updated December 31, 2024 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 16400 HOULE CREEK RD, FRENCHTOWN, MT 59834-9419 |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 31, 2020 |
| Deed Sale | Jul 31, 2020 |
| Deed Document Number | 579202 |
| Record Updated | Jun 08, 2026 |
Source: Lake County records · Assessment roll updated December 31, 2024 · Last verified October 2025
| 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,955.00 (-14.44%) | $440,659 (+41.37%) | $440,659 (+41.37%) Land $248,719 Building $191,940 |
| 2023 | $2,285.00 | $311,697 | $311,697 Land $136,897 Building $174,800 |
Source: FEMA National Flood Hazard Layer as of November 16, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| CommunityTel Fixed Wireless · Fiber in parts of the area | 25 / 10 |
| Lumen Technologies DSL | 10 / 1 |
Based on FCC filings for 33 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELMO WATER SYSTEM tribal government · serves 220 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 4 ppb (2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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