655 Oneill Creek Rd, Kalispell, MT 59901 Property Records

Flathead County property record for 655 Oneill Creek Rd, Kalispell, MT 59901

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,206 sqft · built 2024
Lot Size	20 acres (872,507 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,431 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Mar 2022 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0780896`

Property Details

APN / Parcel Number

Primary APN	`R0780896`
Alternative APNs	`07-4076-34-3-01-01-0000` `0000754165`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,206 sqft Living Area
1st Floor Area	2,206 sqft
Basement Area	1,694 sqft
Finished Basement	1,694 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	872,507 sqft (20 acres)
Terrain	Wooded
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	0000754165
Street Address	655 ONEILL CREEK RD
City	KALISPELL
State	MT
Zip	59901-7152
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	S34, T29 N, R23 W, C.O.S. 10459, ACRES 20.03, TR 1BA IN N2NW4SW4
Legal Range	23W
Legal Township	29N
Legal Section	34
Legal Subdivision	CERTIFIED OF SURVEY NO 10459
Legal Tract	1
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL NORTHWEST
Census Block Group	1
Census Block	1022
Census Tract	1701

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	655 ONEILL CREEK RD, KALISPELL, MT 59901-7152
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CU
Mar 29, 2022	Deed of Trust, Mortgage · Construction Mortgage WHITEFISH CU
Dec 13, 2021	Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2021
Deed Sale	Dec 13, 2021
Deed Document Number	202142657
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	655 ONEILL CREEK RD, KALISPELL, MT 59901-7152
Transaction Type	Mortgage
Record Updated	Nov 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 ONEILL CREEK RD, KALISPELL, MT 59901-7152

Mortgage

Document Number	202300018845
Date	Oct 20, 2023
Instrument	202300018845

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 10, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.67%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	4.67%
Max Rate At Change	8.67%
Index	Other
Max Rate	11.6%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	655 ONEILL CREEK RD, KALISPELL, MT 59901-7152
Transaction Type	Mortgage
Record Updated	Apr 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200008011
Date	Mar 29, 2022
Instrument	202200008011

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	13 Months
Due	Apr 10, 2023

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Dec 13, 2021
Property Address	655 ONEILL CREEK RD, KALISPELL, MT 59901-7152
Document Number	202100042657
Instrument Date	Dec 13, 2021
Instrument	202100042657
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	116 HALELO ST, LAHAINA, HI 96761-1904

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,431.00 (+31,847.06%)	$1,402,634 (+12,080.93%)
2025			$1,402,634 (+8,645.69%) Land $244,184 Building $1,158,450
2023	$17.00	$11,515	$16,038 Land $16,038

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 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	High above 71% of the US · above 53% of Montana
Wildfire Likelihood	0.3% 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, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	10 / 1

Cell Coverage

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

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