86 Winchester St, Kalispell, MT 59901 Property Records

Flathead County property record for 86 Winchester St, Kalispell, MT 59901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,292 sqft · built 1976
Lot Size	0.603 acres (26,267 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,638 (2026)
Deeds & Mortgages	May 2018 Mortgage May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0781113`

Property Details

APN / Parcel Number

Primary APN	`R0781113`
Alternative APNs	`07-3966-05-2-09-03-0000` `0000760700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,292 sqft Living Area
1st Floor Area	1,292 sqft
Basement Area	672 sqft
Finished Basement	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,267 sqft (0.603 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000760700
Street Address	86 WINCHESTER ST
City	KALISPELL
State	MT
Zip	59901-2755
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLCREST EST UNIT 3, S05, T28 N, R21 W, LOT 045, CS 21943
Legal Range	21W
Legal Township	28N
Legal Section	05
Legal Subdivision	HILLCREST EST UNIT 3
Legal Lot Number	45
Jurisdiction	FLATHEAD MT
Township / Civil Division	KALISPELL
Census Block Group	2
Census Block	2021
Census Tract	801

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 Record
Mailing Address	86 WINCHESTER ST, KALISPELL, MT 59901-2755
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	86 WINCHESTER ST, KALISPELL, MT 59901-2755
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800010047
Date	May 23, 2018
Instrument	201800010047

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2038

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLATHEAD MT
Property Address	86 WINCHESTER ST, KALISPELL, MT 59901-2755
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	FLATHEAD PREMIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100015292
Date	May 3, 2021
Instrument	202100015292

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CORTE MADERA, CA 94925

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2036

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	Kalispell Elementary School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,638.00 (-26.86%)	$566,300 (+39.72%)
2025			$566,300 (+39.72%) Land $244,789 Building $321,511
2023	$3,607.00	$405,300	$405,300 Land $179,428 Building $225,872

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	13 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 98% of the US · lower than 99.5% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FLATHEAD COUNTY WATER AND SEWER serves 9,520 people · EPA ID MT0001744
Water Source	Groundwater
Last State Inspection	Aug 2022
Lead	1 ppb (2025) 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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Bullitt Communications Fixed Wireless	100 / 50
AT&T Fixed Wireless	100 / 20

May also be available: MontanaSky Networks, Verizon, Vero Fiber.

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