4982 Flatwater Dr, Whitefish, MT 59937 Property Records

Flathead County property record for 4982 Flatwater Dr, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,632 sqft · built 2019
Lot Size	0.188 acres (8,189 sqft)
Owner	2 Individual Names on Record
Last Sale	$681,400 (Oct 2018)
Tax Bill	$4,827 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit Mar 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R605151`

Property Details

APN / Parcel Number

Primary APN	`R605151`
Alternative APNs	`07-4185-08-2-57-19-0000` `0000502959`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,632 sqft Living Area
1st Floor Area	1,792 sqft
Upper Floors Area	840 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	8,189 sqft (0.188 acres)
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	325 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000502959
Street Address	4982 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 46, ASSR#0000502959
Legal Range	21W
Legal Township	30N
Legal Section	08
Legal Subdivision	LAKES COTTAGES PH 3
Legal Lot Number	46
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	4982 FLATWATER DR, WHITEFISH, MT 59937-7829
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2021	Deed of Trust, Mortgage · Line of Credit WHITEFISH CU
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Aug 16, 2019	Deed of Trust, Mortgage · VA Mortgage WINTRUST MORTGAGE
May 8, 2020	Deed of Trust, Mortgage · VA Mortgage WINTRUST MORTGAGE
Oct 26, 2018	Warranty Deed, Transfer · Commercial Mortgage FIRST INTERSTATE BANK
May 1, 2017	Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2018 · Amount on Record
Deed Sale	Oct 26, 2018 · Amount on Record
Prior Sale	May 1, 2017
Deed Document Number	201826479
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	4982 FLATWATER DR, WHITEFISH, MT 59937-7829
Transaction Type	Mortgage
Record Updated	Dec 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100040180
Date	Nov 18, 2021
Instrument	202100040180

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Nov 30, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	4982 FLATWATER DR, WHITEFISH, MT 59937-7829
Transaction Type	Mortgage
Record Updated	Mar 15, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100006838
Date	Mar 1, 2021
Instrument	202100006838

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	4982 FLATWATER DR, WHITEFISH, MT 59937-7829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE FINANCIAL SPECIALTY SERVICES, TITLE FINCL SPECIALTY SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900018925
Date	Aug 16, 2019
Instrument	201900018925

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	4982 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	202000011739
Date	May 8, 2020
Instrument	202000011739

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Oct 26, 2018
Property Address	4982 FLATWATER DR, WHITEFISH, MT 59937-7829
Document Number	201800026479
Instrument Date	Oct 3, 2018
Instrument	201800026479
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	FIRST TITLE COMPANY, FIRST TITLE OF MONTANA

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	4982 FLATWATER DR, WHITEFISH, MT 59937-7829

Mortgage

Document Number	201800026480
Date	Oct 26, 2018
Instrument	201800026480

Lender

Name	FIRST INTERSTATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	May 1, 2017
Property Address	4982 FLATWATER DR, WHITEFISH, MT 59937-7829
Document Number	201700008655
Instrument Date	Apr 22, 2017
Instrument	201700008655
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
Address	4982 FLATWATER DR, WHITEFISH, MT 59937-7829

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	$4,827.00 (-32.32%)	$1,381,100 (+32.99%)
2025			$1,381,100 (+32.99%) Land $407,772 Building $973,328
2023	$7,132.00	$1,038,500	$1,038,500 Land $281,314 Building $757,186

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 67% of the US · lower than 88% of Montana
Wildfire Likelihood	0.02% 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.

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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