98 Cedar Way, Whitefish, MT 59937 Property Records

Flathead County property record for 98 Cedar Way, Whitefish, MT 59937

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,255 sqft · built 1981
Lot Size	0.002 acres (96 sqft)
Owner	2 Individual Names on Record
Last Sale	$252,700 (Jun 2023)
Tax Bill	$4,360 (2026)
Deeds & Mortgages	Jun 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0791571`

Property Details

APN / Parcel Number

Primary APN	`R0791571`
Alternative APNs	`07-4292-11-4-18-01-7098` `07429211418010098` `0000971545`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,255 sqft Living Area
1st Floor Area	523 sqft
2nd Floor Area	523 sqft
Attic	Attic
Attic Area	209 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2000
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	96 sqft (0.002 acres)
Terrain	Rolling
View / Lot	Mountain
Deck Area	93 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000971545
Street Address	98 CEDAR WAY
City	WHITEFISH
State	MT
Zip	59937-8811
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	3
Legal Description	ELKHORN CONDO PTR PH 2 STAGE 2, S11, T31 N, R22 W, UNIT 98, ASSR #0000971545
Legal Range	22W
Legal Township	31N
Legal Section	11
Legal Subdivision	ELKHORN CONDO PTR PH 2 STAGE 2
Jurisdiction	FLATHEAD MT
Township / Civil Division	WHITEFISH
Census Block Group	1
Census Block	1020
Census Tract	302

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	2 Individual Names on Record
Mailing Address	433 MCLEOD AVE, MISSOULA, MT 59801-4404
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2023 · Amount on Record
Deed Sale	Jun 28, 2023 · Amount on Record
Prior Sale	Nov 30, 2012
Deed Document Number	20239797
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLATHEAD MT
Recording Date	Jun 28, 2023
Property Address	98 CEDAR WAY, WHITEFISH, MT 59937
Document Number	202300009797
Map Reference	DOC 91-207-16290
Instrument Date	Jun 24, 2023
Instrument	202300009797
Transaction Type	Transfer
Record Updated	Jul 18, 2023
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 with Right of Survivorship
Address	433 MCLEOD AVE, MISSOULA, MT 59801-4404

Mortgage

Document Number	202300009798
Date	Jun 28, 2023
Instrument	202300009798

Lender

Name	WHITEFISH CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 25, 2038

Interest

Rate Type	Adjustable Rate
Rate	7.15%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 25, 2030
Change Frequency	Annually
Min Rate At Change	5.1%
Max Rate At Change	9.1%
Index	12-Month MTA
Max Rate	12.1%

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	Whitefish Elementary School District (PK - 08)
Secondary School District	Whitefish High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,360.00 (+70.71%)	$690,800 (+66.86%)
2025			$690,800 (+66.86%) Land $349,972 Building $340,828
2023	$2,554.00 (+42.44%)	$414,000 (+69.53%)	$414,000 (+69.53%) Land $250,279 Building $163,721
2022	$1,793.00	$244,200
2021			$244,200 Land $50,056 Building $194,144

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	High above 76% of the US · above 62% of Montana
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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	BIG MOUNTAIN WATER COMPANY private · serves 2,435 people · EPA ID MT0000060
Water Source	Groundwater
Last State Inspection	Oct 2025
Also Mapped Here	CITY OF WHITEFISH
Lead	7 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	23 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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