Flathead County property record for 98 Winchester St, Kalispell, MT 59901
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,683 sqft · built 1976 |
| Lot Size | 0.466 acres (20,299 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,050 (2026) |
| Deeds & Mortgages | Sep 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R0765702 |
| Primary APN | R0765702 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,683 sqft Living Area |
| 1st Floor Area | 1,683 sqft |
| Basement Area | 1,344 sqft |
| Finished Basement | 1,344 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,299 sqft (0.466 acres) |
| Garage Type | Mixed |
| Garage Area | 1,440 sqft |
| Parking Spaces | 6 Parking Spaces |
| Deck Area | 336 sqft |
| Lean-To | 384 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000407441 |
|---|---|
| Street Address | 98 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 046 |
| Legal Range | 21W |
| Legal Township | 28N |
| Legal Section | 05 |
| Legal Subdivision | HILLCREST EST UNIT 3 |
| Legal Lot Number | 46 |
| Jurisdiction | FLATHEAD MT |
| Township / Civil Division | KALISPELL |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 801 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 98 WINCHESTER ST, KALISPELL, MT 59901-2755 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 27, 2011 |
| Transfer Doc | 0000008751 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLATHEAD MT |
| Property Address | 98 WINCHESTER ST, KALISPELL, MT 59901-2755 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2025 |
| Title Company | ALLIANCE TITLE COMPANY, ALLIANCE TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 202500019943 |
|---|---|
| Date | Sep 12, 2025 |
| Instrument | 202500019943 |
| Name | WHITEFISH CU |
|---|---|
| Type | Credit Union |
| Address | WHITEFISH, MT 59937 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 25, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Flathead County assessment roll, as of September 11, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,050.00 (-32.61%) | $646,700 (+27.18%) | |
| 2025 | $646,700 (+27.18%) Land $209,279 Building $437,421 | ||
| 2023 | $4,526.00 | $508,500 | $508,500 Land $160,927 Building $347,573 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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