540 7th St W, Whitefish, MT 59937 Property Records

Flathead County property record for 540 7th St W, Whitefish, MT 59937

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,170 sqft · built 1957
Lot Size	0.836 acres (36,416 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,970 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0783948`

Property Details

APN / Parcel Number

Primary APN	`R0783948`
Alternative APNs	`07-4292-36-3-04-03-0000` `0000840950`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
1st Floor Area	1,170 sqft
Basement Area	1,170 sqft
Finished Basement	1,170 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Shingles
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	36,416 sqft (0.836 acres)
Lot Dimensions	280 ft deep x 130 ft wide
Terrain	Above Road/Slope
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	376 sqft
Shed	1 Shed
Shed Area	512 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000840950
Street Address	540 W 7TH ST
City	WHITEFISH
State	MT
Zip	59937-3217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	SOUTH WHITEFISH, S36, T31 N, R22 W, BLOCK 003, LOT 006, SOUTH WHITEFISH LOT 6 BLK 3 SOUTH WHITEFISH-N2 ABD 6TH ST ADJ L6 B3
Legal Range	22W
Legal Township	31N
Legal Section	36
Legal Subdivision	SOUTH WHITEFISH
Legal Block	3
Legal Lot Number	6
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	2
Census Block	2011
Census Tract	402

Owner

540 7th St W is owned and occupied by two individuals who acquired it in April 2020.

Source: Flathead County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	540 W 7TH ST, WHITEFISH, MT 59937-3217
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CU
Jun 21, 2021	Intrafamily Transfer, Transfer
Nov 1, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 8, 2020
Transfer Doc	0000008998
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	540 7TH ST W, WHITEFISH, MT 59937-3217
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100027953
Date	Aug 10, 2021
Instrument	202100027953

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 15, 2041

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Jun 21, 2021
Property Address	540 7TH ST W, WHITEFISH, MT 59937-3217
Document Number	202100021030
Instrument Date	Jun 16, 2021
Instrument	202100021030
Transaction Type	Transfer
Record Updated	Jul 5, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 5TH ST W, WHITEFISH, MT 59937-2768

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Nov 1, 2018
Property Address	540 7TH ST W, WHITEFISH, MT 59937-3217
Document Number	201800026867
Instrument Date	Nov 1, 2018
Instrument	201800026867
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	525 5TH ST W, WHITEFISH, MT 59937-2768

Tax Assessment & Valuation

The 2026 property tax bill for 540 7th St W was $5,970.

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,970.00	$854,100
2025			$854,100 Land $279,940 Building $574,160
2023	$4,379.00	$637,600	$637,600 Land $228,560 Building $409,040

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

Flood

FEMA maps place 540 7th St W in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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	1 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2015

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

Wildfire risk around 540 7th St W 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 62% of the US · lower than 85% of Montana
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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 184 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

May also be available: AT&T.

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