52997 Gallagher Rd, Charlo, MT 59824 Property Records

Lake County property record for 52997 Gallagher Rd, Charlo, MT 59824

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,650 sqft · built 2000
Lot Size	21.2 acres (926,521 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Jan 2021)
Tax Bill	$4,613 (2026)
Deeds & Mortgages	Feb 2020 Line of Credit Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R1511830`

Property Details

APN / Parcel Number

Primary APN	`R1511830`
Alternative APNs	`15-2985-34-1-01-02-0000` `0000011140`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	1,650 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Rustic
Exterior Material	Other
Construction Type	Log
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	926,521 sqft (21.2 acres)
Parking Spaces	4 Parking Spaces

Exterior Amenities

Deck Area	878 sqft
Shed	1 Shed
Lean-To	576 sqft
Pole Barn	432 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000011140
Street Address	52997 GALLAGHER RD
City	CHARLO
State	MT
Zip	59824-9306
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	S34, T20 N, R21 W, ACRES 21.27, E2SESE TR IN W2SESE
Legal Range	21W
Legal Township	20N
Legal Section	34
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	1
Census Block	1115
Census Tract	940500

Owner

Source: Lake County records, as of October 20, 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	52997 GALLAGHER RD, CHARLO, MT 59824-9306
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2020	Deed of Trust, Mortgage · Line of Credit GLACIER BANK
Jan 11, 2021	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2021 · Amount on Record
Deed Sale	Jan 11, 2021 · Amount on Record
Deed Document Number	2021584607
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	52997 GALLAGHER RD, CHARLO, MT 59824-9306
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	575164
Date	Feb 5, 2020
Instrument	575164

Lender

Name	GLACIER BANK
Type	Bank
Address	RONAN, MT 59864

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Jan 11, 2021
Property Address	52997 GALLAGHER RD, CHARLO, MT 59824-9306
Document Number	584607
Instrument Date	Jan 5, 2021
Instrument	584607
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	52997 GALLAGHER RD, 52997, CHARLO, MT 59824-9306

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	460 SHERRY DR, UKIAH, CA 95482-3391

Mortgage

Document Number	584608
Date	Jan 11, 2021
Instrument	584608

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Lake County assessment roll, as of September 11, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Lake County
Elementary School District	Charlo Elementary School District (PK - 08)
Secondary School District	Charlo High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,613.00 (-0.8%)	$732,112 (-)
2025	$4,650.00 (-6.36%)	$732,112 (+28.91%)	$732,112 (+28.91%) Land $95,532 Building $636,580
2023	$4,966.00	$567,946	$567,946 Land $49,316 Building $518,630

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 62% of the US · lower than 86% of Montana
Wildfire Likelihood	0.06% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gallagher Rd

Nearby Streets

All Charlo, MT Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures