Susan Kratt | Real Estate REALTOR®/Agent

My ties to Montana go back to 1986 when my husband, Tom, and I purchased 26 acres in the Northfork area. After spending time and enjoying the summers at our cabin, we decided to make Bigfork our permanent home in 2005. As Chairperson of the American Cancer Relay for Life, Tennis Tournament Chairperson for the Friends of Bigfork Fire Department Fund Raiser, member of the Bigfork USTA tennis team, and a Realtor for National Parks Realty, I am fully involved in my community. My husband, Tom, is a retired airline pilot and is also involved in the community. Our son, Karl, is a Lieutenant in the United States Air Force. He graduated from Rocky Mountain College in Billings with a degree in Aviation Management and served previously with the Montana National Guard. He proudly served his country on a deployment to Iraq in support of Operation Iraqi Freedom in 2008-2009 and also a deployment to Afghanistan in support of Operation Enduring Freedom in 2012. He is currently based at Randolph Air Force Base in San Antonio, Texas. 

I was born and raised in Texas, hold a Masters Degree from the University of Houston and have taught at the college level. I have also run my own accounting business serving an oil & gas firm in Texas for the past 35 years. We have traveled extensively around the world but throughout my travels, no place holds a candle to the beauty of Montana.

  • Masters Degree in Political Science, University of Houston
  • Survivor Committee Chairperson, American Cancer Society's Relay for Life
  • Tennis tournament chairperson, Friends of Bigfork Fire Department
  • Resident of Bigfork and have a cabin in the Northfork for over 25 years
  • Member Bigfork USTA tennis team
  • Black Belt TaeKwonDo
  • Member of the Daughters of the American Revolution
  • Member of the Daughters of the Confederacy
  • Native Texan
  • Married for 37 years to Tom (former AF officer, retired airline pilot)
  • One son, Karl, who has served with his National Guard unit in support of Operation Iraqi Freedom & Operation Enduring Freedom and is currently based at Kirtland Air Force Base in Albuquerque, NM.
  • Enjoy fishing, hiking, reading, tennis and helping clients to find their dream!

My wife and I want to express our gratitude for the excellent service provided by SusanKratt. We had visited the area in September and had arranged to view a few properties during our stay. We had communicated some specific requirements as my father lives with us and accommodating his needs was a priority as well. Although we had ear-marked several properties, we only viewed two, as the first one Susan showed us was such a perfect fit for our family. Our vacation quickly turned into a buying process and Susan’s help was invaluable as we were completely unfamiliar with the area and had to quickly return home to Texas to complete a kitchen remodel so we could list our home. Susan was steady, professional, and a true support system as we navigated the stresses of the entirety of the process. Her recommendations from inspectors, to a mortgage company, insurance, banking, etc. were so appreciated and we received excellent service from each of those referrals. How delighted we were to have her welcome us to our new home after a four-day road trip, that she took the time to celebrate with us is indicative of the type of person she is.  Susan continues to be available to us for any random questions that we may have during our settling in. We couldn’t recommend her more highly!

Sincerely, Rick Hill, BSN

Susan ALWAYS returned my call and she was very prompt about it. Not only was she readily available, she went out of her way to accommodate me and my needs. She is very good and thorough with her research. I have NEVER been handed off to anyone else.  Susan has been my realtor for selling 2 homes and for buying 2-3 more.   She is actually the ONLY realtor that I would recommend in the Flathead Valley

We never felt pushed at all.  As a matter of fact, she waited very patiently, while we worked out the timing of our move. She was very helpful and has an excellent relationship with others in the business and she had no problems involving them if she thought it would help us. The other realtors all “really enjoy working with her”.  

Prior to this most recent sell, I hadn’t seen her for several years, yet when I contacted her to have her help a friend of mine find something, she went above and beyond.   She helped them find a program and houses that they were qualified for, so that they could buy their first home.   Susan honestly takes an interest in her clients.  She listens to their wants and needs and finds that for them.  She didn’t show me things I couldn’t afford or houses that didn’t meet my list items. She provided weekly emails showing the interest in my home, feedback from showing, how many people were “watching” my house or marked it as favorite.  The reports also showed how other similar houses were doing with the public. 

All I have to say is that if you are looking for a realtor, whether you need one as a buyer or seller, Susan Kratt is the best there is!   It doesn’t matter if you have a $2,000,000 home or a $100,000 home, or if you want to buy a $2,000,000 home and can only afford $100,000, she will work hard for you and is extremely honest.  

~ M.B.

Susan came highly recommended from a colleague, so we knew she had a great reputation. Already knowing she would be great, she was able to far exceed our expectations. As first time home buyers, we needed a great deal of help and Susan didn't hesitate to go above and beyond. She really understood what we were looking for and truly helped us find our perfect home. Susan was incredibly patient with us; she showed us a number of properties (sometimes two or three times!). We are so thrilled with our home and have Susan to thank. I would not hesitate to recommend Susan to anyone looking to buy. If we ever decide to move, she will most certainly be our first call!

~ M & P

This letter is sent to tell of the excellent service myself, my family and friends have received from Susan Kratt in dealing with our real estate needs! The 1st property we dealt with Susan on was a small lake property we purchased on Swan Lake. Her attention to detail and skills at overcoming objections with the seller was more than impressive. Shortly after that transaction both my son and daughter had homes the wanted to sell.

There was no question in my mind about who would be listing them! Both houses sold in a very reasonable amount of time for a fair price to both the buyer and seller. Once again her can do attitude and persistence made both transactions quick and simple. One of the buyers felt after about a year there had been something not properly disclosed on my sons house! With one phone call to Susan the matter was resolved without incident. Her follow up and follow thru have been second to none! About a year later my wife and I decided to purchase a rental house! Once again Susan came to our rescue and found the perfect house at a reasonable price and the whole transaction was smooth and timely.

Thankfully, I have not had the need to buy or sell any real estate since however I have recommended Susan to friends and coworkers that have also appreciated her services. Susan is persistent without being pushy, aggressive along with being honest and will continue to receive any business I have to forward her direction.

~ Sincerely, J.B.

We wanted to buy and we found Susan. She was so sweet to us and really worked to get us what we wanted. She found us a honey of a deal and had to talk the seller down and he wasn't easy to deal with. The thing is, anyone will be your friend till the deal is done but Susan never failed us. We had an issue with the property long after the sale, and she went to bat for us again. Honestly she was a tiger defending us in this issue. If you asked me to give you a word to describe Susan several would apply. Sincerity, Integrity, Heart. She was our friend from the start and is still there for us. We love her.

~ G. & G.

We also really wanted to thank you for everything, you were a tremendous help, and went way above and beyond what we expected from a real estate agent. We will forever be grateful and will definitely be recommending you to everyone who needs a house!

Thanks again,
~ Chris


Susan's Listings

Viewing 5 Listings

180 Vista Lane, Unit 356, Bigfork, MT 59911




FABULOUS VIEWS of Flathead Lake from this Marina Cay condo on the 3rd floor of the Waterview building. This unit has been upgraded and remodeled to have a FULL kitchen and washer/dryer installed. Please see the detail sheet in documents to see how much work they put into this unit. Located in the artistic and popular village of Bigfork with close proximity to Glacier National Park, Flathead Lake, Whitefish Mountain Ski Area and much much more. Can be used as a nightly/weekly rental. Boat slips may be rented for the season. Please submit all offers no later than Monday, May 10th, by 5:00 PM.

222/226 Many Lakes Drive, Kalispell, MT 59901

Property Type


Beautiful views and 298' on Lake Peter. The 2 lots are sold together, giving a buyer an acre of land to build a dream home. Views to the Swan Mountains with easy access to Glacier National Park, Whitefish Mountain Ski Area, Flathead Lake, Jewel Basin Hiding Area, The Bob Marshall Wilderness Area and much more!

408 Palouse Prairie Court, Bigfork, MT 59911

Property Type


Well sought after Ponderosa Boat Club lot! Delightful community with water features, artistic landscaping, walking paths, boat storage and community access to Flathead Lake. *** The owner has building plans that have been approved by the architectural committee and are available for an additional price and or owner to build home. The plans and information are available on MLS # 22105204.

408 Palouse Prairie Court, Bigfork, MT 59911




New custom home to be built in the sought-after community of Ponderosa Boat Club in the charming village of Bigfork. This 3-bedroom, 3 bath home with office and sitting room has a beautiful open floor plan with community access to Flathead Lake. Also, a 3 car garage!! Includes desirable features such as main level master, custom kitchen with slab granite and soft close knotty alder cabinets with plenty of storage. Enjoy the rock wall fireplace and entertain on the back patio. Building to be completed within 12 months. Property has quick access to Glacier National Park, Whitefish Mountain Ski Area, Blacktail Ski Area, Flathead Lake, and the Bob Marshall Wilderness. You will not be disappointed!

13592 River Run Loop, Bigfork, MT 59911




Live in a part of Montana's history! The Kootenai Lodge was built in the early 1900's as a summer retreat for the Copper Kings. This home was built for 4 of the daughters of Cornelius Kelley, Copper King. From 2018-2020, the home was totally remodeled, leaving 3 of the original stone fireplaces, the huge logs, flooring, and high ceilings. This fully furnished home sits a stones throw from Swan Lake with additional amenities of the original Lodge, dock with the use of a pontoon boat for residents, swimming pool, gym and yoga rooms. This stunning home with a complete wrap-around deck has a large modern kitchen, 2 bedrooms and 2 bathrooms. The garage was built in 2019 to match the home and contains epoxy flooring & built-in cabinets. See detail sheet for extensive home information.