645 Latigo Ln, Bigfork, MT 59911 Property Records

Flathead County property record for 645 Latigo Ln, Bigfork, MT 59911

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,310 sqft · built 1995
Lot Size	1.13 acres (49,223 sqft)
Owner	Company Name on Record
Last Sale	$373,300 (Jul 2020)
Tax Bill	$3,358 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0779386`

Property Details

APN / Parcel Number

Primary APN	`R0779386`
Alternative APNs	`07-3707-06-1-04-03-0000` `0000710864`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,310 sqft Living Area
1st Floor Area	1,494 sqft
2nd Floor Area	816 sqft
Basement Area	1,470 sqft
Finished Basement	1,470 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	49,223 sqft (1.13 acres)
Garage Area	576 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	42 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000710864
Street Address	645 LATIGO LN
City	BIGFORK
State	MT
Zip	59911-6609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE RANCH, S06, T26 N, R19 W, LOT 005
Legal Range	19W
Legal Township	26N
Legal Section	06
Legal Subdivision	THE RANCH
Legal Lot Number	5
Jurisdiction	FLATHEAD MT
Township / Civil Division	CRESTON-BIGFORK
Census Block Group	2
Census Block	2000
Census Tract	1304

Owner

Source: Flathead County records, as of September 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	645 LATIGO LN, BIGFORK, MT 59911-6609
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Line of Credit WHITEFISH CREDIT UNION
Jul 14, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 14, 2020	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2020 · Amount on Record
Deed Sale	Jul 14, 2020 · Amount on Record
Deed Document Number	202019355
Prior Transfer Date	Jul 6, 2020
Prior Transfer Doc	0000019353
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Recording Date	Apr 16, 2026
Property Address	645 LATIGO LN, BIGFORK, MT 59911-6609
Document Number	0000007791
Instrument Date	Apr 15, 2026
Instrument	20267791
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007791,
Date	Apr 16, 2026
Instrument	20267791

Lender

Name	WHITEFISH CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 22, 2036

Interest

Rate Type	Balloon
Rate	6.22%
Initial Type	Balloon
Max Rate	-1%

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Jul 14, 2020
Property Address	645 LATIGO LN, BIGFORK, MT 59911
Document Number	202000019355
Instrument Date	Jul 9, 2020
Instrument	202000019355
Transaction Type	Transfer
Record Updated	Jun 7, 2023
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	Family Trust
Address	645 LATIGO LN, BIGFORK, MT 59911

Mortgage

Document Number	202000019354
Date	Jul 14, 2020
Instrument	202000019354

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLATHEAD MT
Recording Date	Jul 14, 2020
Property Address	645 LATIGO LN, BIGFORK, MT 59911
Document Number	202000019353
Instrument Date	Jul 6, 2020
Instrument	202000019353
Transaction Type	Transfer
Record Updated	Aug 10, 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
Address	645 LATIGO LN, BIGFORK, MT 59911

Tax Assessment & Valuation

Source: Flathead County assessment roll, as of September 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,358.00 (-10.83%)	$1,040,000 (-)
2025	$3,766.00 (-11.72%)	$1,040,000 (+60.89%)	$1,040,000 (+60.89%) Land $247,040 Building $792,960
2023	$4,266.00	$646,400	$646,400 Land $131,860 Building $514,540

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	High above 71% of the US · above 52% of Montana
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	RANCH CO WATER & SEWER DIST THE serves 90 people · EPA ID MT0003076
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2024–2026) 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: CenturyLink, Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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