Lake County property record for 55197 Herak Rd, Charlo, MT 59824
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 9.85 acres (429,066 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,982 (2026) |
| Deeds & Mortgages | May 2026 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | R1524173 |
| Primary APN | R1524173 |
|---|---|
| Alternative APNs |
|
| Lot Area | 429,066 sqft (9.85 acres) |
|---|---|
| Terrain | Wooded |
| Sewer | Septic |
|---|---|
| Water Source | Well |
| Account Number | 0000032648 |
|---|---|
| Street Address | 55197 HERAK RD |
| City | CHARLO |
| State | MT |
| Zip | 59824-9684 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | S18, T19 N, R20 W, ACRES 9.85, TR 8 COS 5503 ASSOR #0000032648 |
| Legal Range | 20W |
| Legal Township | 19N |
| Legal Section | 18 |
| Legal Subdivision | CERT/SURV 5503 #8 |
| Legal Tract | 8 |
| Jurisdiction | LAKE MT |
| Township / Civil Division | FLATHEAD RESERVATION |
| Census Block Group | 4 |
| Census Block | 4051 |
| Census Tract | 940600 |
55197 Herak Rd, residential vacant land, is owned and occupied by an individual.
Source: Lake County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 55197 HERAK RD, CHARLO, MT 59824-9684 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MT |
| Recording Date | May 4, 2026 |
| Property Address | 55197 HERAK RD, CHARLO, MT 59824-9684 |
| Document Number | 0000638473 |
| Instrument Date | May 4, 2026 |
| Instrument | 2026638473 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 55197 HERAK RD, CHARLO, MT 59824-9684 |
| Document Number | 0000638473, |
|---|---|
| Date | May 4, 2026 |
| Instrument | 2026638473 |
| Name | GLACIER BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2026 property tax bill for 55197 Herak Rd was $1,982, up 79.2% from the year before.
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 | $1,982.00 (+79.2%) | $183,830 (-) | |
| 2025 | $1,106.00 | $183,830 | $183,830 Land $183,830 |
| 2023 | $1,161.00 | $117,105 | $117,105 Land $117,105 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 55197 Herak Rd 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 risk around 55197 Herak Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 86% of Montana |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
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 |
| Western Montana CommunityTel Fixed Wireless | 25 / 10 |
5G (outdoors only) and 4G LTE
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