Lake County property record for 46928 Main St, Elmo, MT 59915
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,248 sqft · built 1910 |
| Lot Size | 0.413 acres (17,990 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,128 (2026) |
| Deeds & Mortgages | Jun 2020 Line of Credit Feb 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R1514049 |
| Primary APN | R1514049 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 624 sqft |
| 2nd Floor Area | 624 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 17,990 sqft (0.413 acres) |
| View / Lot | Major Street/Thoroughfare |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 60 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 0000012268 |
|---|---|
| Street Address | 46928 MAIN ST |
| City | ELMO |
| State | MT |
| Zip | 59915-7714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ELMO ORIGINAL TOWNSITE, S19, T24 N, R21 W, BLOCK 11, LOT 4 - 8 |
| Legal Range | 21W |
| Legal Township | 24N |
| Legal Section | 19 |
| Legal Subdivision | ELMO ORIGINAL TOWNSITE |
| Legal Block | 11 |
| Legal Lot Number | 4-8 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 2 |
| Census Block | 2149 |
| Census Tract | 940306 |
46928 Main St, a single family home, is owned by an individual.
Source: Lake County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 273, ELMO, MT 59915-0273 |
| 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 |
|---|---|
| Jun 22, 2020 | Deed of Trust, Mortgage · Line of Credit GLACIER BANK |
| Feb 14, 2020 | Deed of Trust, Mortgage · Line of Credit GLACIER BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 46928 MAIN ST, ELMO, MT 59915-7714 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 578023 |
|---|---|
| Date | Jun 22, 2020 |
| Instrument | 578023 |
| Name | GLACIER BANK |
|---|---|
| Type | Bank |
| Address | POLSON, MT 59860 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 46928 MAIN ST, ELMO, MT 59915-7714 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 575356 |
|---|---|
| Date | Feb 14, 2020 |
| Instrument | 575356 |
| Name | GLACIER BANK |
|---|---|
| Type | Bank |
| Address | POLSON, MT 59860 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 46928 Main St was $1,128, down 10.4% 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 | $1,128.00 (-10.41%) | $251,800 (-) | |
| 2025 | $1,259.00 | $251,800 | $251,800 Land $64,700 Building $187,100 |
| 2023 | $1,837.00 | $237,300 | $237,300 Land $46,600 Building $190,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46928 Main St in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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 46928 Main St is moderate, ranking above 52% 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 52% 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: 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 |
| 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.
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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