4961 Flatwater Dr, Whitefish, MT 59937 Property Records

Flathead County property record for 4961 Flatwater Dr, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,816 sqft · built 2019
Lot Size	0.216 acres (9,409 sqft)
Owner	2 Individual Names on Record
Last Sale	$99,400 (Sep 2018)
Tax Bill	$4,862 (2026)
Deeds & Mortgages	Mar 2020 Mortgage May 2019 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R605147`

Property Details

APN / Parcel Number

Primary APN	`R605147`
Alternative APNs	`07-4185-08-2-57-15-0000` `0000502963`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,816 sqft Living Area
1st Floor Area	1,654 sqft
2nd Floor Area	792 sqft
Attic	Attic
Attic Area	370 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,409 sqft (0.216 acres)
View / Lot	Cul-de-sac
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	506 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000502963
Street Address	4961 FLATWATER DR
City	WHITEFISH
State	MT
Zip	59937-7829
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKES COTTAGES PH 3, S08, T30 N, R21 W, LOT 50, ASSR#0000502963
Legal Range	21W
Legal Township	30N
Legal Section	08
Legal Subdivision	LAKES COTTAGES PH 3
Legal Lot Number	50
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	1
Census Block	1003
Census Tract	403

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	4961 FLATWATER DR, WHITEFISH, MT 59937-7829
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage LENDUS LLC
May 24, 2019	Deed of Trust, Mortgage · Construction Mortgage GLACIER BANK
Sep 21, 2018	Special Warranty Deed, Transfer · Commercial Mortgage PARK SIDE CU
Jul 16, 2018	Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2018 · Amount on Record
Deed Sale	Sep 21, 2018 · Amount on Record
Prior Sale	Jul 16, 2018
Deed Document Number	201823345
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	4961 FLATWATER DR, WHITEFISH, MT 59937-7829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000007782
Date	Mar 25, 2020
Instrument	202000007782

Lender

Name	LENDUS LLC
Type	Mortgage Company
Address	ALAMO, CA 94507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	4961 FLATWATER DR, WHITEFISH, MT 59937-7829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900010049
Date	May 24, 2019
Instrument	201900010049

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.75%
Index	1-Year CMT
Margin	3
Max Rate	9.75%

September 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Sep 21, 2018
Property Address	4961 FLATWATER DR, WHITEFISH, MT 59937-7829
Document Number	201800023345
Instrument Date	Sep 18, 2018
Instrument	201800023345
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	415 KALISPELL AVE, WHITEFISH, MT 59937-2741

Mortgage

Document Number	201800023346
Date	Sep 21, 2018
Instrument	201800023346

Lender

Name	PARK SIDE CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jul 16, 2018
Property Address	4961 FLATWATER DR, WHITEFISH, MT 59937-7829
Document Number	201800014536
Instrument Date	Jul 13, 2018
Instrument	201800014536
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	FIDELITY NATIONAL TITLE

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	PO BOX 4637, WHITEFISH, MT 59937-4637

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,862.00 (-36.59%)	$1,391,200 (+24.59%)
2025			$1,391,200 (+24.59%) Land $412,556 Building $978,644
2023	$7,668.00	$1,116,600	$1,116,600 Land $285,739 Building $830,861

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	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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	Low lower than 66% of the US · lower than 88% of Montana
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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