Flathead County property record for 5078 Flatwater Dr, Whitefish, MT 59937
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,956 sqft · built 2014 |
| Lot Size | 0.149 acres (6,490 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,823 (2026) |
| Deeds & Mortgages | May 2020 Mortgage Nov 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | R0748993 |
| Primary APN | R0748993 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,956 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| 2nd Floor Area | 900 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,490 sqft (0.149 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 96 sqft |
| Deck Area | 272 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000010170 |
|---|---|
| Street Address | 5078 FLATWATER DR |
| City | WHITEFISH |
| State | MT |
| Zip | 59937-7809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE LAKES VILLAGE PH 2, S08, T30 N, R21 W, LOT 075, THE LAKES VILLAGE PH2 LOT 75 |
| Legal Range | 21W |
| Legal Township | 30N |
| Legal Section | 08 |
| Legal Subdivision | THE LAKES VILLAGE PH 2 |
| Legal Lot Number | 75 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | WHITEFISH |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 403 |
5078 Flatwater Dr is owned and occupied by two individuals who acquired it in November 2017.
Source: Flathead County records, as of September 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5078 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.
| Date | Document |
|---|---|
| May 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THREE RIVERS BANK OF MONTANA |
| Nov 20, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 2012 |
| Deed Sale | Mar 2, 2012 |
| Deed Document Number | 20124653 |
| Last Transfer Date | Nov 14, 2017 |
| Transfer Doc | 0000028744 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 5078 FLATWATER DR, WHITEFISH, MT 59937-7809 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ALLIANCE TITLE COMPANY, ALLIANCE TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 202000013008 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 202000013008 |
| Name | THREE RIVERS BANK OF MONTANA |
|---|---|
| Type | Bank |
| Address | KALISPELL, MT 59901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2035 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Nov 20, 2017 |
| Property Address | 5078 FLATWATER DR, WHITEFISH, MT 59937-7809 |
| Document Number | 201700028744 |
| Instrument Date | Nov 14, 2017 |
| Instrument | 201700028744 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 5078 FLATWATER DR, WHITEFISH, MT 59937-7809 |
The 2026 property tax bill for 5078 Flatwater Dr was $2,823.
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 | $2,823.00 | $882,000 | |
| 2025 | $882,000 Land $283,028 Building $598,972 | ||
| 2023 | $4,367.00 | $635,900 | $635,900 Land $184,076 Building $451,824 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5078 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 5078 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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