4974 Flatwater Dr, Whitefish, MT 59937 Property Records

Flathead County property record for 4974 Flatwater Dr, Whitefish, MT 59937

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.193 acres (8,407 sqft)
Owner	2 Individual Names on File
Last Sale	$153,100 (Jul 2020)
Tax Bill	$2,857 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R605150`

Property Details

APN / Parcel Number

Primary APN	`R605150`
Alternative APNs	`07-4185-08-2-57-18-0000` `0000502960`

Exterior

Architectural Style	Multi-Family
Lot Area	8,407 sqft (0.193 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000502960
Street Address	4974 FLATWATER DR
City	WHITEFISH
State	MT
Zip	59937-7829
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LAKES COTTAGES PH 3, S08, T30 N, R21 W, LOT 47, ASSR#0000502960
Legal Range	21W
Legal Township	30N
Legal Section	08
Legal Subdivision	LAKES COTTAGES PH 3
Legal Lot Number	47
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	1
Census Block	1003
Census Tract	403

Owner

4974 Flatwater Dr, residential vacant land, is owned by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1024 CLUB VIEW DR, A302, GALLATIN, TN 37066-2183
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage GLACIER BANK
Jul 31, 2020	Warranty Deed, Transfer · Conventional Mortgage GLACIER BANK
Sep 6, 2017	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE CO OF FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2020 · Amount on File
Deed Sale	Jul 31, 2020 · Amount on File
Prior Sale	Sep 6, 2017
Deed Document Number	202021756
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	4974 FLATWATER DR, WHITEFISH, MT 59937-7829
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200009809
Date	Apr 15, 2022
Instrument	202200009809

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	37 Months
Due	May 10, 2025

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jul 31, 2020
Property Address	4974 FLATWATER DR, WHITEFISH, MT 59937-7829
Document Number	202000021756
Instrument Date	Jul 30, 2020
Instrument	202000021756
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3212 AVENIDA REPOSO, ESCONDIDO, CA 92029-7934

Mortgage

Document Number	202000021757
Date	Jul 31, 2020
Instrument	202000021757

Lender

Name	GLACIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	37 Months
Due	Aug 1, 2023

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Sep 6, 2017
Property Address	4974 FLATWATER DR, WHITEFISH, MT 59937-7829
Document Number	201700021886
Instrument Date	Sep 6, 2017
Instrument	201700021886
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE CO OF FL

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4974 FLATWATER DR, WHITEFISH, MT 59937-7829

Tax Assessment & Valuation

The 2026 property tax bill for 4974 Flatwater Dr was $2,857.

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	$2,857.00	$408,680
2025			$408,680 Land $408,680
2023	$1,937.00	$282,154	$282,154 Land $282,154

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

Flood

FEMA maps place 4974 Flatwater Dr 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	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

Wildfire risk around 4974 Flatwater Dr is low, with a 0.03% annual chance of 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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