46855 2nd St, Elmo, MT 59915 Property Records

Lake County property record for 46855 2nd St, Elmo, MT 59915

Property Summary

Property Type	Residential
Lot Size	0.465 acres (20,255 sqft)
Owner	Company Name on Record
Tax Bill	$5,869 (2026)
Deeds & Mortgages	Feb 2024 Line of Credit Feb 2023 Line of Credit + 2 more
APN	`R1513947`

Property Details

APN / Parcel Number

Primary APN	`R1513947`
Alternative APNs	`15-3467-19-2-11-01-0000` `0000012224`

Interior

Units	2 Units

Exterior

Lot Area	20,255 sqft (0.465 acres)
Lot Dimensions	291 ft deep x 150 ft wide
Garage Type	Detached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Boat Access	Boat Access

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000012224
Street Address	46855 2ND ST
City	ELMO
State	MT
Zip	59915
Property Category	Residential
Property Type	Residential > Specialized > Other
Legal Description	ELMO ORIGINAL TOWNSITE, S19, T24 N, R21 W, LTS 1-3 IN BLKS 6,7 & 8 & ABANDONED ROAD
Legal Range	21W
Legal Township	24N
Legal Section	19
Legal Subdivision	ELMO ORIGINAL TOWNSITE
Legal Block	6-8
Legal Lot Number	1-3
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	2
Census Block	2049
Census Tract	940306

Owner

Source: Lake County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 450, BONNER, MT 59823-0450
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Deed of Trust, Mortgage · Line of Credit TRAILWEST BANK
Feb 17, 2023	Deed of Trust, Mortgage · Line of Credit TRAILWEST BANK
Oct 7, 2022	Intrafamily Transfer, Transfer
Aug 5, 2022	Warranty Deed, Transfer · Line of Credit TRAILWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2023
Deed Sale	Jan 24, 2023
Prior Sale	Oct 7, 2022
Deed Document Number	2023603107
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	46855 2ND ST, ELMO, MT 59915-7712
Transaction Type	Mortgage
Record Updated	Feb 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000609405
Date	Feb 7, 2024
Instrument	609405

Lender

Name	TRAILWEST BANK
Type	Bank
Address	MISSOULA, MT 59804

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 7, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	46855 2ND ST, ELMO, MT 59915-7712
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000603482
Date	Feb 17, 2023
Instrument	603482

Lender

Name	TRAILWEST BANK
Type	Bank
Address	MILLTOWN, MT 59851

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Feb 7, 2024

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE MT
Recording Date	Oct 7, 2022
Property Address	46855 2ND ST, ELMO, MT 59915-7712
Document Number	0000601570
Instrument Date	Oct 7, 2022
Instrument	601570
Transaction Type	Transfer
Record Updated	Aug 10, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	PO BOX 450, BONNER, MT 59823-0450

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Aug 5, 2022
Property Address	46855 2ND ST, ELMO, MT 59915-7712
Document Number	0000600146
Instrument Date	Aug 4, 2022
Instrument	600146
Transaction Type	Transfer
Record Updated	Aug 10, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 450, BONNER, MT 59823-0450

Mortgage

Document Number	0000600147
Date	Aug 5, 2022
Instrument	600147

Lender

Name	TRAILWEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Aug 4, 2023

Tax Assessment & Valuation

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	$5,869.00 (+67.49%)	$799,190 (-)
2025	$3,504.00 (-21.51%)	$799,190 (+12.91%)	$799,190 (+12.91%) Land $625,000 Building $174,190
2023	$4,464.00	$707,790	$707,790 Land $685,000 Building $22,790

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
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

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

Wildfire Risk	Moderate above 48% of the US · lower than 75% of Montana
Wildfire Likelihood	0.08% 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 49 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
CenturyLink DSL	40 / 3
Western Montana CommunityTel Fixed Wireless · Fiber in parts of the area	25 / 10

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