53473 2nd Ave W, Charlo, MT 59824 Property Records

Lake County property record for 53473 2nd Ave W, Charlo, MT 59824

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,054 sqft · built 1975
Lot Size	0.321 acres (13,983 sqft)
Owner	2 Individual Names on File
Last Sale	$158,130 (Apr 2023)
Tax Bill	$1,842 (2026)
Deeds & Mortgages	May 2023 Mortgage Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R1512171`

Property Details

APN / Parcel Number

Primary APN	`R1512171`
Alternative APNs	`15-2868-05-2-01-03-0000` `0000011314`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,054 sqft Living Area
1st Floor Area	2,054 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,983 sqft (0.321 acres)
Garage Type	Mixed
Garage Area	480 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	10 sqft
Deck Area	20 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000011314
Street Address	53473 2ND AVE W
City	CHARLO
State	MT
Zip	59824-7707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLO ORIGINAL TOWNSITE, S05, T19 N, R20 W, BLOCK 39, LOT 5 - 6, ACRES 0.321
Legal Range	20W
Legal Township	19N
Legal Section	05
Legal Subdivision	CHARLO ORIGINAL TOWNSITE
Legal Block	39
Legal Lot Number	5,6
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	4
Census Block	4035
Census Tract	940600

Owner

53473 2nd Ave W is owned by two individuals who bought it in April 2023.

Source: Lake County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 235, CHARLO, MT 59824-0235
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.

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Deed of Trust, Mortgage · USDA Mortgage VALLEY BANK OF RONAN
Apr 24, 2023	Warranty Deed, Transfer · USDA Mortgage VALLEY BANK OF RONAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2023 · Amount on File
Deed Sale	Apr 24, 2023 · Amount on File
Deed Document Number	2023604496
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	53473 2ND AVE W, CHARLO, MT 59824-7707
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	53473 2ND AVE W, CHARLO, MT 59824-7707

Mortgage

Document Number	0000604873
Date	May 17, 2023
Instrument	604873

Lender

Name	VALLEY BANK OF RONAN
Type	Bank
Address	RONAN, MT 59864

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Apr 24, 2023
Property Address	53473 2ND AVE W, CHARLO, MT 59824-7707
Document Number	0000604496
Instrument Date	Apr 21, 2023
Instrument	604496
Transaction Type	Transfer
Record Updated	Aug 10, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	57472 WATSON RD, SAINT IGNATIUS, MT 59865-9577

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 235, CHARLO, MT 59824-0235

Mortgage

Document Number	0000604497
Date	Apr 24, 2023
Instrument	604497

Lender

Name	VALLEY BANK OF RONAN
Type	Bank

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 53473 2nd Ave W was $1,842, down 10.7% from the year before.

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	$1,842.00 (-10.71%)	$387,200 (-)
2025	$2,063.00	$387,200	$387,200 Land $57,100 Building $330,100
2023	$2,486.00	$293,200	$293,200 Land $39,800 Building $253,400

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

Flood

FEMA maps place 53473 2nd Ave W in Zone X, an area of minimal flood risk.

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

Wildfire risk around 53473 2nd Ave W is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.8% of Montana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CONSOLIDATED CHARLO LAKE CO W AND S DIST serves 450 people · EPA ID MT0000172
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blackfoot Telephone Cooperative Fiber	1,000 / 500

May also be available: Western Montana CommunityTel.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 2nd Ave W

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