1045 Flathead Rd, Helena, MT 59602 Property Records

Lewis And Clark County property record for 1045 Flathead Rd, Helena, MT 59602

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 2,686 sqft · built 1966
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,018 (2023)
Deeds & Mortgages	Jul 2021 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`R0514994`

Property Details

APN / Parcel Number

Primary APN	`R0514994`
Alternative APNs	`05-1995-31-4-06-13-0000` `0000011996`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,686 sqft Living Area
1st Floor Area	2,456 sqft
2nd Floor Area	230 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	24,394 sqft (0.56 acres)
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000011996
Street Address	1045 FLATHEAD RD
City	HELENA
State	MT
Zip	59602-6522
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	BEL AIR ADD NO 1, S31, T11 N, R03 W, BLOCK 1, LOT 4, COS #155642
Legal Subdivision	BEL AIR ADD NO 1
Legal Block	1
Legal Lot Number	4
Jurisdiction	LEWIS AND CLARK MT
Township / Civil Division	HELENA
Census Block Group	2
Census Block	2002
Census Tract	501

Owner

Source: Lewis And Clark County records · APN R0514994

Assessment roll updated December 31, 2022 · Last verified August 2023

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 File
Mailing Address	1045 FLATHEAD RD, HELENA, MT 59602-6522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2021	Deed of Trust, Mortgage · Line of Credit FIRST INTERSTATE BANK
Oct 13, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST INTERSTATE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 26, 1996
Deed Sale	Nov 26, 1996
Deed Document Number	000M187190
Record Updated	Jun 07, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	1045 FLATHEAD RD, HELENA, MT 59602-6522
Transaction Type	Mortgage
Record Updated	Aug 06, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 FLATHEAD RD, HELENA, MT 59602-6522

Mortgage

Document Number	M59/6073
Date	Jul 23, 2021
Book Page	M59/6073
Instrument	3382533

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	HELENA, MT 59604

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	1045 FLATHEAD RD, HELENA, MT 59602-6522
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST MONTANA LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M57/9552
Date	Oct 13, 2020
Book Page	M57/9552
Instrument	3364658

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	HELENA, MT 59601

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

Tax Assessment & Valuation

Source: Lewis And Clark County records · Assessment roll updated December 31, 2022 · Last verified August 2023

Property Jurisdictions

Type	Name
State	Montana
County	Lewis And Clark County
Elementary School District	Helena Elementary School District (PK - 08)
Secondary School District	Helena High School District (09 - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,018.00	$428,300	$428,300 Land $89,933 Building $338,367

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lewis And Clark County (30049C), as of April 7, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 300490005012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 42 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	40 (1981–2018)
Claims Outside the SFHA	25 of 40
Most Recent Claim	Jun 2018 · river or lake flooding
Claims by Event	Flooding, May 2018 · 11 claims Severe Storms And Flooding, Jun 2011 · 4 claims Severe Storms, Flooding, And Ice Jams, Feb 1996 · 2 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Montana
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: AT&T, Verizon.

Based on FCC filings for 183 locations within half a mile of this property.

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