475 N Main St, Kalispell, MT 59901 Property Records

Flathead County property record for 475 N Main St, Kalispell, MT 59901

Property Summary

Property Type	Office Building
Details	1,484 sqft · built 1933
Lot Size	0.161 acres (7,013 sqft)
Owner	Company Name on File
Last Sale	$350,000 (Jan 2019)
Tax Bill	$6,221 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0785657`

Property Details

APN / Parcel Number

Primary APN	`R0785657`
Alternative APNs	`07-3966-07-1-02-10-0000` `0000893750`

Interior

Stories	1 Story
Building Area	1,484 sqft Total Area
1st Floor Area	1,484 sqft
Basement Area	816 sqft
Finished Basement	816 sqft

Exterior

Year Built	Built 1933
Effective Year Built	Effective 2000
Exterior Material	Concrete
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	7,013 sqft (0.161 acres)
View / Lot	Major Street/Thoroughfare

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000893750
Street Address	475 N MAIN ST
City	KALISPELL
State	MT
Zip	59901-3903
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	6
Legal Description	KAL ADD 5, S07, T28 N, R21 W, BLOCK 231, LOT 010, KAL ADD 5 LOT 10 BLK 231
Legal Range	21W
Legal Township	28N
Legal Section	07
Legal Subdivision	KAL ADD 5
Legal Block	231
Legal Lot Number	10
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	2
Census Block	2046
Census Tract	903

Owner

475 N Main St, a commercial property, is owned by a company that bought it in January 2019.

Source: Flathead County records, as of September 11, 2026

Owner of Record	Company Name on File
Mailing Address	491 N MAIN ST, KALISPELL, MT 59901-3903
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage THREE RIVERS BANK/MONTANA
Jan 31, 2019	Warranty Deed, Transfer · Commercial Mortgage THREE RIVERS BANK OF MONTANA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2019 · Amount on File
Deed Sale	Jan 31, 2019 · Amount on File
Prior Sale	Jul 7, 2006
Deed Document Number	20191995
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Recording Date	Jun 15, 2026
Property Address	475 N MAIN ST, KALISPELL, MT 59901-3903
Document Number	0000012090
Instrument Date	Jun 12, 2026
Instrument	202612090
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE STREAM, TITLE TEAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	475 N MAIN ST, KALISPELL, MT 59901-3903

Mortgage

Document Number	0000012090,
Date	Jun 15, 2026
Instrument	202612090

Lender

Name	THREE RIVERS BANK/MONTANA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 15, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jan 31, 2019
Property Address	475 N MAIN ST, KALISPELL, MT 59901-3903
Document Number	201900001995
Instrument Date	Jan 31, 2018
Instrument	201900001995
Transaction Type	Transfer
Record Updated	Aug 14, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 N MAIN ST, KALISPELL, MT 59901-3903

Mortgage

Document Number	201900001996
Date	Jan 31, 2019
Instrument	201900001996

Lender

Name	THREE RIVERS BANK OF MONTANA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	301 Months
Due	Feb 1, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 475 N Main St was $6,221, up 56.6% from the year before.

Source: Flathead County assessment roll, as of September 11, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Flathead County
Municipality	Kalispell City
Secondary School District	Flathead High School District (09 - 12)
Elementary School District	Kalispell Elementary School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,221.00 (+56.62%)	$547,600 (-)
2025	$3,972.00	$547,600	$547,600 Land $216,450 Building $331,150
2023	$4,550.00	$354,900	$354,900 Land $105,800 Building $249,100

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

Flood

FEMA maps place 475 N Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 475 N Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	KALISPELL PUBLIC WORKS serves 25,000 people · EPA ID MT0000259
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vero Fiber Fiber	2,500 / 2,500
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
MontanaSky Networks Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
Glacier Broadband Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Bullitt Communications Fixed Wireless	100 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Western Montana CommunityTel.

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