57247 Gallagher Rd, Charlo, MT 59824 Property Records

Lake County property record for 57247 Gallagher Rd, Charlo, MT 59824

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 1,418 sqft · built 1992
Lot Size	44 acres (1,917,947 sqft)
Owner	Individual Name on Record
Last Sale	$532,000 (Oct 2022)
Tax Bill	$4,368 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R1512148`

Property Details

APN / Parcel Number

Primary APN	`R1512148`
Alternative APNs	`15-2867-27-1-01-08-0000` `0000011302`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,418 sqft Living Area
1st Floor Area	1,418 sqft
Basement Area	1,100 sqft
Finished Basement	1,100 sqft
Family Room	Family Room

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	1,917,947 sqft (44 acres)
Terrain	Rolling
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Deck Area	128 sqft
Shed	1 Shed
Shed Area	2,880 sqft
Lean-To	192 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000011302
Street Address	57247 GALLAGHER RD
City	CHARLO
State	MT
Zip	59824-9013
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	S27, T19 N, R21 W, C.O.S. 7558, ACRES 44.03, TR 2BB-2 IN NE
Legal Range	21W
Legal Township	19N
Legal Section	27
Legal Subdivision	CERTIFICATE SURV 6390 02BB
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	4
Census Block	4080
Census Tract	940600

Owner

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	Individual Name on Record
Mailing Address	21830 35TH AVE S, SEATAC, WA 98198-6784
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2022	Deed of Trust, Mortgage · ARM GLACIER BANK
Oct 3, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage GLACIER BANK
Nov 9, 2018	Deed of Trust, Mortgage · Commercial Mortgage GLACIER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2022 · Amount on Record
Deed Sale	Oct 3, 2022 · Amount on Record
Deed Document Number	2022601474
Prior Transfer Date	Sep 30, 2022
Prior Transfer Doc	0000601474
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	57247 GALLAGHER RD, CHARLO, MT 59824-9013
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57247 GALLAGHER RD, CHARLO, MT 59824-9013

Mortgage

Document Number	0000601750
Date	Oct 18, 2022
Instrument	601750

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Margin	3
Max Rate	10.5%

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE MT
Recording Date	Oct 3, 2022
Property Address	57247 GALLAGHER RD, CHARLO, MT 59824-9013
Document Number	0000601474
Instrument Date	Sep 30, 2022
Instrument	601474
Transaction Type	Transfer
Record Updated	Oct 12, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TTL CO OF LAKE CNTY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	57247 GALLAGHER RD, 57247, CHARLO, MT 59824-9013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21830 35TH AVE S, SEATAC, WA 98198-6784

Mortgage

Document Number	0000601475
Date	Oct 3, 2022
Instrument	601475

Lender

Name	GLACIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Margin	3
Max Rate	10.5%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MT
Property Address	57247 GALLAGHER RD, CHARLO, MT 59824-9013
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	566319
Date	Nov 9, 2018
Instrument	566319

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$4,368.00 (+81.02%)	$488,015 (-)
2025	$2,413.00 (-22.44%)	$488,015 (+15.97%)	$488,015 (+15.97%) Land $96,915 Building $391,100
2023	$3,111.00	$420,820	$420,820 Land $50,570 Building $370,250

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

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

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

Wildfire Risk	Moderate above 40% of the US · lower than 83% of Montana
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, as of December 31, 2025

Cell Coverage

4G LTE (outdoors only), no 5G reported

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