Flathead County property record for 785 Lower Valley Rd, Kalispell, MT 59901
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,893 sqft · built 1997 |
| Lot Size | 10 acres (436,036 sqft) |
| Owner | Trust Name on File |
| Last Sale | $456,300 (Apr 2020) |
| Tax Bill | $14,769 (2026) |
| Deeds & Mortgages | Mar 2017 Line of Credit Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | R0738499 |
| Primary APN | R0738499 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 24 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,893 sqft Living Area |
| 1st Floor Area | 1,596 sqft |
| 2nd Floor Area | 1,297 sqft |
| Basement Area | 1,078 sqft |
| Finished Basement | 1,078 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 436,036 sqft (10 acres) |
| Terrain | Wooded |
| Garage Type | Mixed |
| Garage Area | 332 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 206 sqft |
| Deck Area | 430 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000000561 |
|---|---|
| Street Address | 785 LOWER VALLEY RD |
| City | KALISPELL |
| State | MT |
| Zip | 59901-8618 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S34, T28 N, R21 W, C.O.S. 16395-2, TR 7G IN S2NW4 |
| Legal Range | 21W |
| Legal Township | 28N |
| Legal Section | 34 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | KALISPELL |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 1201 |
785 Lower Valley Rd is owner-occupied and held in a trust since April 2020.
Source: Flathead County records, as of September 11, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 785 LOWER VALLEY RD, KALISPELL, MT 59901-8618 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 31, 2017 | Deed of Trust, Mortgage · Line of Credit THREE RIVERS BANK OF MONTANA |
| Apr 29, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage GLACIER BANK |
| Mar 26, 2019 | Intrafamily Transfer, Transfer |
| Mar 31, 2017 | Warranty Deed, Transfer · Conventional Mortgage GLACIER BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 29, 2020 · Amount on File |
| Deed Sale | Apr 29, 2020 · Amount on File |
| Prior Sale | Mar 31, 2017 · Amount on File |
| Deed Document Number | 202010908 |
| Prior Transfer Date | Mar 22, 2019 |
| Prior Transfer Doc | 0000005529 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 785 LOWER VALLEY RD, KALISPELL, MT 59901-8618 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | ATEC |
| Name | Verified Name |
|---|
| Document Number | 201700006665 |
|---|---|
| Date | Mar 31, 2017 |
| Instrument | 201700006665 |
| Name | THREE RIVERS BANK OF MONTANA |
|---|---|
| Type | Bank |
| Address | KALISPELL, MT 59901 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 25, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Apr 29, 2020 |
| Property Address | 785 LOWER VALLEY RD, KALISPELL, MT 59901-8618 |
| Document Number | 202000010908 |
| Instrument Date | Mar 22, 2020 |
| Instrument | 202000010908 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 785 LOWER VALLEY RD, KALISPELL, MT 59901-8618 |
| Document Number | 202000010909 |
|---|---|
| Date | Apr 29, 2020 |
| Instrument | 202000010909 |
| Name | GLACIER BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Mar 26, 2019 |
| Property Address | 785 LOWER VALLEY RD, KALISPELL, MT 59901-8618 |
| Document Number | 201900005529 |
| Instrument Date | Mar 22, 2019 |
| Instrument | 201900005529 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 785 LOWER VALLEY RD, KALISPELL, MT 59901-8618 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Recording Date | Mar 31, 2017 |
| Property Address | 785 LOWER VALLEY RD, KALISPELL, MT 59901-8618 |
| Document Number | 201700006634 |
| Instrument Date | Mar 31, 2017 |
| Instrument | 201700006634 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 785 LOWER VALLEY RD, KALISPELL, MT 59901-8618 |
| Document Number | 201700006636 |
|---|---|
| Date | Mar 31, 2017 |
| Instrument | 201700006636 |
| Name | GLACIER BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
The 2026 property tax bill for 785 Lower Valley Rd was $14,769.
Source: Flathead County assessment roll, as of September 11, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $14,769.00 | $2,608,300 | |
| 2025 | $2,608,300 Land $1,177,178 Building $1,431,122 | ||
| 2023 | $11,825.00 | $1,614,600 | $1,614,600 Land $585,397 Building $1,029,203 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 785 Lower Valley Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 risk around 785 Lower Valley Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Montana |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Bullitt Communications Fixed Wireless | 100 / 50 |
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