Lake County property record for 54576 Kerns Rd, Charlo, MT 59824
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 3,003 sqft · built 1957 |
| Lot Size | 21 acres (915,631 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,415 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R1524145 |
| Primary APN | R1524145 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 3,003 sqft Living Area |
| 1st Floor Area | 2,145 sqft |
| 2nd Floor Area | 858 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 915,631 sqft (21 acres) |
| Terrain | Wooded |
| Garage Type | Mixed |
| Deck Area | 719 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000032630 |
|---|---|
| Street Address | 54576 KERNS RD |
| City | CHARLO |
| State | MT |
| Zip | 59824-9698 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | S11, T19 N, R20 W, C.O.S. 6256, ACRES 21.02, TR 1 |
| Legal Range | 20W |
| Legal Township | 19N |
| Legal Section | 11 |
| Legal Subdivision | C O S 6256 |
| Legal Tract | 1 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 4 |
| Census Block | 4127 |
| Census Tract | 940600 |
Source: Lake County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 54576 KERNS RD, CHARLO, MT 59824-9698 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 21, 2023 |
| Transfer Doc | 0000603967 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Property Address | 54576 KERNS RD, CHARLO, MT 59824-9698 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2026 |
| Name | Verified Name |
|---|---|
| Address | 54576 KERNS RD, CHARLO, MT 59824-9698 |
| Document Number | 0000637610 |
|---|---|
| Date | Mar 18, 2026 |
| Instrument | 637610 |
| Name | WHITEFISH CU |
|---|---|
| Type | Credit Union |
| Address | WHITEFISH, MT 59937 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 15, 2056 |
Source: Lake County assessment roll, as of September 11, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,415.00 (+68.12%) | $523,566 (-) | |
| 2025 | $3,221.00 (+3.27%) | $523,566 (+59.45%) | $523,566 (+59.45%) Land $98,316 Building $425,250 |
| 2023 | $3,119.00 | $328,363 | $328,363 Land $35,903 Building $292,460 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 16, 2022
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 98.4% of Montana |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Blackfoot Telephone Cooperative DSL | 40 / 5 |
| Western Montana CommunityTel Fixed Wireless | 25 / 10 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
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