Flathead County property record for 499 S Karrow Estates Rd, Whitefish, MT 59937
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 1.52 acres (66,211 sqft) |
| Owner | Company Name on Record |
| Last Sale | $120,000 (Sep 2014) |
| Tax Bill | $1,247 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R07103110 |
| Primary APN | R07103110 |
|---|---|
| Alternative APNs |
|
| Lot Area | 66,211 sqft (1.52 acres) |
|---|
| Sewer | Septic |
|---|---|
| Water Source | Commercial |
| Account Number | 0000982901 |
|---|---|
| Street Address | 499 S KARROW ESTATES RD |
| City | WHITEFISH |
| State | MT |
| Zip | 59937-3287 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | 01 |
| Legal Description | S36, T31 N, R22 W, ACRES 1.52, COS 11865-1, TR 5FAAA IN NW4SW4, ASSR #0000982901 |
| Legal Range | 22W |
| Legal Township | 31N |
| Legal Section | 36 |
| Legal Subdivision | CERTIFICATE OF SURVEY NO 11865 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | WHITEFISH |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 402 |
Source: Flathead County records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 4274, WHITEFISH, MT 59937-4274 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| May 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CREDIT UNION |
| Apr 14, 2021 | Deed of Trust, Mortgage · Commercial Mortgage AMERICAN BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 10, 2014 · Amount on Record |
| Deed Sale | Sep 10, 2014 · Amount on Record |
| Deed Document Number | 201417857 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | May 22, 2026 |
| Property Address | 499 S KARROW ESTATES RD, WHITEFISH, MT 59937-3287 |
| Document Number | 0000010466 |
| Instrument Date | May 22, 2026 |
| Instrument | 202610466 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Company, 103 |
| Address | 501 S KARROW ESTATES RD, WHITEFISH, MT 59937-3288 |
| Document Number | 0000010466, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 202610466 |
| Name | WHITEFISH CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 20, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.58% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 499 S KARROW ESTATES RD, WHITEFISH, MT 59937-3287 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 202100012912 |
|---|---|
| Date | Apr 14, 2021 |
| Instrument | 202100012912 |
| Name | AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | WHITEFISH, MT 59937 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Flathead County assessment roll, as of September 3, 2025
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,247.00 (-54.46%) | $420,492 (+5.48%) | $420,492 (+5.48%) Land $420,492 |
| 2023 | $2,738.00 | $398,640 | $398,640 Land $398,640 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2015 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 85% of Montana |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 184 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 |
May also be available: AT&T.
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