Lake County property record for 46693 Spinnaker Ln, Elmo, MT 59915
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,196 sqft · built 2000 |
| Lot Size | 0.492 acres (21,432 sqft) |
| Owner | Individual Name on File |
| Last Sale | $319,400 (Sep 2017) |
| Tax Bill | $2,833 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R1523982 |
| Primary APN | R1523982 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| 1st Floor Area | 1,196 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,432 sqft (0.492 acres) |
| Lot Dimensions | 268 ft deep x 80 ft wide |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 260 sqft |
| Deck Area | 266 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000031603 |
|---|---|
| Street Address | 46693 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 10, ACRES 0.492, 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 | 1,10,16 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 2 |
| Census Block | 2049 |
| Census Tract | 940306 |
46693 Spinnaker Ln is owned by an individual who bought it in September 2017.
Source: Lake County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 27, ELMO, MT 59915-0027 |
| Owner Type | Individual |
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 |
|---|---|
| Mar 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MANN MORTGAGE LLC |
| Apr 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MANN MORTGAGE LLC |
| Sep 22, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage MANN MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2017 · Amount on File |
| Deed Sale | Sep 22, 2017 · Amount on File |
| Deed Document Number | 2017558173 |
| Prior Transfer Date | Sep 14, 2017 |
| Prior Transfer Doc | 558173 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 46693 SPINNAKER LN, ELMO, MT 59915-7709 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 587100 |
|---|---|
| Date | Mar 31, 2021 |
| Instrument | 587100 |
| Name | MANN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | KALISPELL, MT 59901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 46693 SPINNAKER LN, ELMO, MT 59915-7709 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 576543 |
|---|---|
| Date | Apr 17, 2020 |
| Instrument | 576543 |
| Name | MANN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | KALISPELL, MT 59901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE MT |
| Recording Date | Sep 22, 2017 |
| Property Address | 46693 SPINNAKER LN, ELMO, MT 59915-7709 |
| Document Number | 558173 |
| Instrument Date | Sep 14, 2017 |
| Instrument | 558173 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4207 RAINBOW DR, MISSOULA, MT 59803-1044 |
| Document Number | 558174 |
|---|---|
| Date | Sep 22, 2017 |
| Instrument | 558174 |
| Name | MANN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
The 2026 property tax bill for 46693 Spinnaker Ln was $2,833, down 20.5% 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 | $2,833.00 (-20.53%) | $772,600 (-) | |
| 2025 | $3,565.00 | $772,600 | $772,600 Land $478,000 Building $294,600 |
| 2023 | $3,702.00 | $547,100 | $547,100 Land $314,000 Building $233,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46693 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 46693 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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