55 Lochness Ave, Kalispell, MT 59901 Property Records

Flathead County property record for 55 Lochness Ave, Kalispell, MT 59901

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 1,332 sqft · built 1977
Lot Size	0.496 acres (21,606 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,800 (Oct 2022)
Tax Bill	$3,083 (2025)
Deeds & Mortgages	Mar 2022 Sale Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R0751451`

Property Details

APN / Parcel Number

Primary APN	`R0751451`
Alternative APNs	`07-3966-05-2-17-01-0000` `0000013385`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,332 sqft Living Area
1st Floor Area	1,332 sqft
Basement Area	1,248 sqft
Finished Basement	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,606 sqft (0.496 acres)
Garage Area	1,092 sqft
Parking Spaces	4 Parking Spaces
Deck Area	336 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000013385
Street Address	55 LOCHNESS AVE
City	KALISPELL
State	MT
Zip	59901-2757
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	HILLCREST EST UNIT 7, S05, T28 N, R21 W, LOT 120, ASSR#0000013385
Legal Range	21W
Legal Township	28N
Legal Section	05
Legal Subdivision	HILLCREST EST UNIT 7
Legal Lot Number	120
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	2
Census Block	2023
Census Tract	801

Owner

Source: Flathead County records, as of July 15, 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	55 LOCHNESS AVE, KALISPELL, MT 59901-2757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Warranty Deed, Transfer FLATHEAD PREMIER TITLE
Sep 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage WHITEFISH CU
Aug 14, 2018	Warranty Deed, Transfer · Conventional Mortgage ROCKY MOUNTAIN BANK
Oct 3, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2022 · Amount on Record
Deed Sale	Oct 3, 2022 · Amount on Record
Prior Sale	Mar 14, 2022
Deed Document Number	202226025
Prior Transfer Date	Sep 30, 2022
Prior Transfer Doc	0000026025
Record Updated	Sep 20, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Mar 14, 2022
Property Address	55 LOCHNESS AVE, KALISPELL, MT 59901-2757
Document Number	202200006482
Instrument Date	Mar 14, 2022
Instrument	202200006482
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FLATHEAD PREMIER TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	50947 LAKE MARY RONAN RD, PROCTOR, MT 59929-9760

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Sep 27, 2021
Property Address	55 LOCHNESS AVE, KALISPELL, MT 59901-2757
Document Number	202100034475
Instrument Date	Sep 23, 2021
Instrument	202100034475
Transaction Type	Transfer
Record Updated	Oct 15, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	55 LOCHNESS AVE, KALISPELL, MT 59901-2757

Mortgage

Document Number	202100034476
Date	Sep 27, 2021
Instrument	202100034476

Lender

Name	WHITEFISH CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	5.12%
Index	Other
Max Rate	8.12%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Aug 14, 2018
Property Address	55 LOCHNESS AVE, KALISPELL, MT 59901-2757
Document Number	201800019000
Instrument Date	Aug 9, 2018
Instrument	201800019000
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	INSURED TITLE, INSURED TITLES

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	55 LOCHNESS AVE, KALISPELL, MT 59901-2757

Mortgage

Document Number	201800019001
Date	Aug 14, 2018
Instrument	201800019001

Lender

Name	ROCKY MOUNTAIN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Oct 3, 2022
Property Address	55 LOCHNESS AVE, KALISPELL, MT 59901-2757
Document Number	202200026025
Instrument Date	Nov 15, 2013
Instrument	202200026025
Transaction Type	Transfer
Record Updated	Oct 12, 2022
Title Company	FLATHEAD PREMIER TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	55 LOCHNESS AVE, KALISPELL, MT 59901-2757

Mortgage

Document Number	202200026026
Date	Oct 3, 2022
Instrument	202200026026

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10%
Index	Other
Margin	3
Max Rate	10%

Tax Assessment & Valuation

Source: Flathead County assessment roll, as of September 3, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,083.00 (-38.87%)	$633,200 (+11.76%)	$633,200 (+11.76%) Land $217,133 Building $416,067
2023	$5,043.00	$566,579	$566,579 Land $165,019 Building $401,560

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 · 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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	13 in force

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

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

Wildfire Risk	Low lower than 96% of the US · lower than 99.1% of Montana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	FLATHEAD COUNTY WATER AND SEWER serves 9,520 people · EPA ID MT0001744
Water Source	Groundwater
Last State Inspection	Aug 2022
Also Mapped Here	KALISPELL PUBLIC WORKS
Lead	1 ppb (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	1 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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Bullitt Communications Fixed Wireless	100 / 50
AT&T Fixed Wireless	100 / 20

May also be available: MontanaSky Networks, Verizon, Vero Fiber.

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