4966 Flatwater Dr, Whitefish, MT 59937 Property Records

Flathead County property record for 4966 Flatwater Dr, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,892 sqft · built 2020
Lot Size	0.176 acres (7,667 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,628 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Jan 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R605149`

Property Details

APN / Parcel Number

Primary APN	`R605149`
Alternative APNs	`07-4185-08-2-57-17-0000` `0000502961`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,892 sqft Living Area
1st Floor Area	1,886 sqft
2nd Floor Area	1,006 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,667 sqft (0.176 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000502961
Street Address	4966 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 48, ASSR#0000502961
Legal Range	21W
Legal Township	30N
Legal Section	08
Legal Subdivision	LAKES COTTAGES PH 3
Legal Lot Number	48
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	750 W 2ND ST, G, WHITEFISH, MT 59937-3172
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Deed of Trust, Mortgage · Line of Credit GLACIER BANK
Jan 15, 2021	Deed of Trust, Mortgage · Line of Credit GLACIER BANK
Jun 4, 2020	Deed of Trust, Mortgage · Commercial Mortgage GLACIER BANK
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage GLACIER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2015
Deed Sale	Feb 13, 2015
Deed Document Number	20152948
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	4966 FLATWATER DR, WHITEFISH, MT 59937-7829
Transaction Type	Mortgage
Record Updated	Aug 31, 2022
Title Company	ATEC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200022156
Date	Aug 22, 2022
Instrument	202200022156

Lender

Name	GLACIER BANK
Type	Bank
Address	WHITEFISH, MT 59937

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	4966 FLATWATER DR, WHITEFISH, MT 59937-7829
Transaction Type	Mortgage
Record Updated	Aug 10, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100001927
Date	Jan 15, 2021
Instrument	202100001927

Lender

Name	GLACIER BANK
Type	Bank
Address	WHITEFISH, MT 59937

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	4966 FLATWATER DR, WHITEFISH, MT 59937-7829
Transaction Type	Mortgage
Record Updated	Aug 10, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000014640
Date	Jun 4, 2020
Instrument	202000014640

Lender

Name	GLACIER BANK
Type	Bank
Address	WHITEFISH, MT 59937

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	4966 FLATWATER DR, WHITEFISH, MT 59937-7829
Transaction Type	Mortgage
Record Updated	Aug 10, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100001926
Date	Jan 15, 2021
Instrument	202100001926

Lender

Name	GLACIER BANK
Type	Bank
Address	69901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

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	$5,628.00 (-32.16%)	$1,545,200 (+27.91%)
2025			$1,545,200 (+27.91%) Land $405,644 Building $1,139,556
2023	$8,296.00	$1,208,000	$1,208,000 Land $279,346 Building $928,654

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

Nearby Properties on Flatwater Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures