622 Lower Valley Rd, Kalispell, MT 59901 Property Records

Flathead County property record for 622 Lower Valley Rd, Kalispell, MT 59901

Property Summary

Property Type	Rural Home
Details	3 bd · 1.5 ba · 1,500 sqft · built 1961
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,737 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jun 2023 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`R0799129`

Property Details

APN / Parcel Number

Primary APN	`R0799129`
Alternative APNs	`07-3966-33-1-01-01-0000` `0000979115`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,500 sqft
Basement Area	750 sqft
Finished Basement	750 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Metal
Lot Area	871,200 sqft (20 acres)
Terrain	Wooded
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	480 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000979115
Street Address	622 LOWER VALLEY RD
City	KALISPELL
State	MT
Zip	59901-7926
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	8
Legal Description	S33, T28 N, R21 W, ACRES 20, TR 8B IN NE4NE4, ASSR #0000979115
Legal Range	21W
Legal Township	28N
Legal Section	33
Legal Subdivision	SURVEY NO 10445
Legal Tract	1
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	1
Census Block	1015
Census Tract	1201

Owner

Source: Flathead County records, as of April 27, 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	622 LOWER VALLEY RD, KALISPELL, MT 59901-7926
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Line of Credit THREE RIVERS BANK/MONTANA
Jun 21, 2023	Deed of Trust, Mortgage · Line of Credit THREE RIVERS BANK OF MONTANA
May 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2014
Deed Sale	May 27, 2014
Prior Sale	May 27, 2014 · Amount on Record
Deed Document Number	20148880
Prior Transfer Date	May 23, 2014
Prior Transfer Doc	0000008878
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Recording Date	Apr 16, 2026
Property Address	622 LOWER VALLEY RD, KALISPELL, MT 59901-7926
Document Number	0000007794
Instrument Date	Apr 15, 2026
Instrument	20267794
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE STREAM, TITLE TEAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	622 LOWER VALLEY RD, KALISPELL, MT 59901-7926

Mortgage

Document Number	0000007794,
Date	Apr 16, 2026
Instrument	20267794

Lender

Name	THREE RIVERS BANK/MONTANA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Apr 15, 2029

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	622 LOWER VALLEY RD, KALISPELL, MT 59901-7926
Transaction Type	Mortgage
Record Updated	Jul 13, 2023
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300009428
Date	Jun 21, 2023
Instrument	202300009428

Lender

Name	THREE RIVERS BANK OF MONTANA
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 15, 2043

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	622 LOWER VALLEY RD, KALISPELL, MT 59901-7926
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000013536
Date	May 26, 2020
Instrument	202000013536

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	PORTLAND, OR 97223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,737.00 (-40.17%)	$490,544 (+27.17%)	$490,544 (+27.17%) Land $135,254 Building $355,290
2023	$2,903.00	$385,747	$385,747 Land $98,247 Building $287,500

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	4 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 99.1% of the US · lower than 99.8% of Montana
Wildfire Likelihood	Under 0.01% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Glacier Broadband Fixed Wireless	1,000 / 1,000
Bullitt Communications Fixed Wireless	100 / 50

May also be available: Verizon.

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