4993 Flatwater Dr, Whitefish, MT 59937 Property Records

Flathead County property record for 4993 Flatwater Dr, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,144 sqft · built 2012
Lot Size	0.234 acres (10,193 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,798 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Jan 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R605143`

Property Details

APN / Parcel Number

Primary APN	`R605143`
Alternative APNs	`07-4185-08-2-57-11-0000` `0000502967`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,144 sqft Living Area
1st Floor Area	2,632 sqft
2nd Floor Area	512 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,193 sqft (0.234 acres)
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	224 sqft
Deck Area	158 sqft
Patio Area	158 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000502967
Street Address	4993 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 54, ASSR# 0000502967
Legal Range	21W
Legal Township	30N
Legal Section	08
Legal Subdivision	LAKES COTTAGES PH 3
Legal Lot Number	54
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	4993 FLATWATER DR, WHITEFISH, MT 59937-7829
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK
Jan 31, 2022	Warranty Deed, Transfer INSURED TITLE, INSURED TITLES
Oct 27, 2017	Deed of Trust, Mortgage · Commercial Mortgage AMERICAN BANK
Jul 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK
Jun 1, 2020	Quit Claim Deed, Transfer Quitclaim
Jan 31, 2017	Deed of Distribution, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2022
Deed Sale	Jan 31, 2022
Prior Sale	Jan 31, 2017
Deed Document Number	20222634
Prior Transfer Date	May 29, 2020
Prior Transfer Doc	0000014211
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	4993 FLATWATER DR, WHITEFISH, MT 59937-7829
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200003874
Date	Feb 11, 2022
Instrument	202200003874

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jan 31, 2022
Property Address	4993 FLATWATER DR, WHITEFISH, MT 59937-7829
Document Number	202200002634
Instrument Date	Jan 19, 2022
Instrument	202200002634
Transaction Type	Transfer
Record Updated	Feb 14, 2022
Title Company	INSURED TITLE, INSURED TITLES

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
Address	1008 MEADOWBROOK DR, FORT COLLINS, CO 80521-4342

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	4993 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	201700026907
Date	Oct 27, 2017
Instrument	201700026907

Lender

Name	AMERICAN BANK
Type	Bank
Address	WHITEFISH, MT 59937

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	4993 FLATWATER DR, WHITEFISH, MT 59937-7829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000020300
Date	Jul 21, 2020
Instrument	202000020300

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

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

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jun 1, 2020
Property Address	4993 FLATWATER DR, WHITEFISH, MT 59937-7829
Document Number	202000014211
Instrument Date	May 29, 2020
Instrument	202000014211
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7040 EAST 13TH STREET #345345, 7040, WHITEFISH, MT 59937

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7040 EAST 13TH STREET #345 # 345, 345, WHITEFISH, MT 59937

January 2017: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	FLATHEAD MT
Recording Date	Jan 31, 2017
Property Address	4993 FLATWATER DR, WHITEFISH, MT 59937-7829
Document Number	201700002263
Instrument Date	Jan 31, 2017
Instrument	201700002263
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704C E 13TH ST # 345, 345, WHITEFISH, MT 59937-2981

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	$4,798.00 (-8.1%)	$1,373,000 (-)
2025	$5,221.00 (-34.51%)	$1,373,000 (+18.28%)	$1,373,000 (+18.28%) Land $297,824 Building $1,075,176
2023	$7,972.00	$1,160,800	$1,160,800 Land $197,762 Building $963,038

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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