520 3rd St W, Whitefish, MT 59937 Property Records

Flathead County property record for 520 3rd St W, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 884 sqft · built 1997
Lot Size	0.278 acres (12,110 sqft)
Owner	Individual Name on File
Tax Bill	$3,962 (2023)
Deeds & Mortgages	Sep 2023 Mortgage Jan 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R0783292`

Property Details

APN / Parcel Number

Primary APN	`R0783292`
Alternative APNs	`07-4292-36-2-15-05-0000` `0000822751`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	884 sqft
Fireplaces	1 Fireplace
Fireplace	Prefabricated

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2000
Architectural Style	Historical
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,110 sqft (0.278 acres)
Garage Type	Mixed
Garage Area	600 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	241 sqft
Deck Area	171 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000822751
Street Address	520 3RD ST W
City	WHITEFISH
State	MT
Zip	59937-3021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	GOJENDES TR, S36, T31 N, R22 W, BLOCK 002, LOT 016, W2 S2 LOT 16 GOJENDES TR
Legal Range	22W
Legal Township	31N
Legal Section	36
Legal Quarter	NW
Legal Subdivision	GOJENDES TR
Legal Block	2
Legal Lot Number	16
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	2
Census Block	2000
Census Tract	402

Owner

Source: Flathead County records · APN R0783292

Assessment roll updated December 31, 2022 · Last verified October 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	520 3RD ST W, WHITEFISH, MT 59937-3021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Warranty Deed, Transfer · Conventional Mortgage WHITEFISH CU
Jan 27, 2023	Transfer on Death Deed, Transfer
Oct 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CU
Apr 13, 2020	Transfer on Death Deed, Transfer
Jul 27, 2018	Warranty Deed, Transfer · ARM WHITEFISH CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 11, 2023
Deed Sale	Sep 11, 2023
Prior Sale	Jul 27, 2018
Deed Document Number	202300016030
Record Updated	Jun 07, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Sep 11, 2023
Property Address	520 3RD ST W, WHITEFISH, MT 59937-3021
Document Number	202300016030
Instrument Date	Sep 06, 2023
Instrument	202300016030
Transaction Type	Transfer
Record Updated	Sep 29, 2023
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	520 3RD ST W, WHITEFISH, MT 59937-3021

Mortgage

Document Number	202300016031
Date	Sep 11, 2023
Instrument	202300016031

Lender

Name	WHITEFISH CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 05, 2053

January 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jan 27, 2023
Property Address	520 3RD ST W, WHITEFISH, MT 59937-3021
Document Number	202300001411
Instrument Date	Jan 27, 2023
Instrument	202300001411
Transaction Type	Transfer
Record Updated	Feb 09, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 MOUNTAIN DRIVE, ALBERTON, MT 59820

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	520 3RD ST W, WHITEFISH, MT 59937-3021
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900027657
Date	Oct 28, 2019
Instrument	201900027657

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 01, 2034

April 2020: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	FLATHEAD MT
Recording Date	Apr 13, 2020
Property Address	520 3RD ST W, WHITEFISH, MT 59937-3021
Document Number	202000009331
Instrument Date	Apr 07, 2020
Instrument	202000009331
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	520 3RD ST W, 520, WHITEFISH, MT 59937-3021

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jul 27, 2018
Property Address	520 3RD ST W, WHITEFISH, MT 59937-3021
Document Number	201800015587
Instrument Date	Jul 26, 2018
Instrument	201800015587
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	FIDELITY NATIONAL TITLE

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	1330 HOWELL ST, MISSOULA, MT 59802-2328

Mortgage

Document Number	201800015589
Date	Jul 27, 2018
Instrument	201800015589

Lender

Name	WHITEFISH CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.15%
Type Change Date	Aug 01, 2023
Change Frequency	Annually
Min Rate At Change	4.15%
Max Rate At Change	6.15%
Index	1-Year CMT
Max Rate	9.15%

Tax Assessment & Valuation

Source: Flathead County records · Assessment roll updated December 31, 2022 · Last verified October 2023

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,962.00	$576,900	$576,900 Land $158,142 Building $418,758

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Flathead County (30029C), as of November 16, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 300290004022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 64% of the US · lower than 87% of Montana
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 143 locations within half a mile of this property.

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