Flathead County property record for 5009 Flatwater Dr, Whitefish, MT 59937
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,734 sqft · built 2017 |
| Lot Size | 0.203 acres (8,843 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,043 (2026) |
| Deeds & Mortgages | Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R605141 |
| Primary APN | R605141 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,734 sqft Living Area |
| 1st Floor Area | 1,734 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,843 sqft (0.203 acres) |
| Garage Area | 564 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000502969 |
|---|---|
| Street Address | 5009 FLATWATER DR |
| City | WHITEFISH |
| State | MT |
| Zip | 59937-7809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKES COTTAGES PH 3, S08, T30 N, R21 W, LOT 56, ASSR #0000502969 |
| Legal Range | 21W |
| Legal Township | 30N |
| Legal Section | 08 |
| Legal Subdivision | LAKES COTTAGES PH 3 |
| Legal Lot Number | 56 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | WHITEFISH |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 403 |
5009 Flatwater Dr is owned and occupied by an individual who acquired it in May 2025.
Source: Flathead County records, as of September 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5009 FLATWATER DR, WHITEFISH, MT 59937-7809 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2025 |
| Deed Sale | May 2, 2025 |
| Prior Sale | Feb 14, 2014 |
| Deed Document Number | 20258088 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 5009 FLATWATER DR, WHITEFISH, MT 59937-7809 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201700030856 |
|---|---|
| Date | Dec 18, 2017 |
| Instrument | 201700030856 |
| Name | WHITEFISH CU |
|---|---|
| Type | Credit Union |
| Address | WHITEFISH, MT 59937 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.65% |
| Type Change Date | Jan 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3.65% |
| Max Rate At Change | 5.65% |
| Max Rate | 8.65% |
The 2026 property tax bill for 5009 Flatwater Dr was $3,043.
Source: Flathead County assessment roll, as of September 11, 2026
| 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 |
|---|---|---|---|
| 2026 | $3,043.00 | $940,000 | |
| 2025 | $940,000 Land $292,324 Building $647,676 | ||
| 2023 | $5,074.00 | $738,900 | $738,900 Land $192,675 Building $546,225 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5009 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 risk around 5009 Flatwater Dr is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 86% of Montana |
|---|---|
| Wildfire Likelihood | 0.06% 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.
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 |
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