108 Willow Ave, Helena, MT 59602 Property Records

Lewis And Clark County property record for 108 Willow Ave, Helena, MT 59602

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,264 sqft · built 1989
Lot Size	0.298 acres (12,981 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,378 (2026)
Deeds & Mortgages	May 2026 Mortgage Apr 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R0526685`

Property Details

APN / Parcel Number

Primary APN	`R0526685`
Alternative APNs	`05-1887-13-4-06-03-0000` `0000025166`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,264 sqft Living Area
1st Floor Area	1,264 sqft
Basement Area	1,072 sqft
Finished Basement	1,072 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,981 sqft (0.298 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000025166
Street Address	108 WILLOW AVE
City	HELENA
State	MT
Zip	59602-7725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	WOODLAWN PARK, S13, T10 N, R04 W, BLOCK 5, LOT 37 - 40
Legal Range	04W
Legal Township	10N
Legal Section	13
Legal Subdivision	WOODLAWN PARK
Legal Block	5
Legal Lot Number	37-40
Jurisdiction	LEWIS AND CLARK MT
Township / Civil Division	HELENA
Census Block Group	2
Census Block	2036
Census Tract	503

Owner

108 Willow Ave is owned and occupied by two individuals.

Source: Lewis And Clark 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 File
Mailing Address	108 WILLOW AVE, HELENA, MT 59602-7725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage OPPORTUNITY BANK/MT
Apr 12, 2022	Deed of Trust, Mortgage · Line of Credit OPPORTUNITY BANK OF MT
Sep 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage OPPORTUNITY BANK OF MT
Nov 7, 2017	Deed of Trust, Mortgage · Commercial Mortgage OPPORTUNITY BANK OF MT

Assessor's Deed Record

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

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Recording Date	May 28, 2026
Property Address	108 WILLOW AVE, HELENA, MT 59602-7725
Document Number	0003450663
Book / Page	65 / 4327
Instrument Date	May 22, 2026
Instrument	20263450663
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FLYING S TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	108 WILLOW AVE, HELENA, MT 59602-7725

Mortgage

Document Number	0003450663,
Date	May 28, 2026
Book Page	65/4327
Instrument	20263450663

Lender

Name	OPPORTUNITY BANK/MT

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.58%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	108 WILLOW AVE, HELENA, MT 59602-7725
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	FIRST MONTANA TITLE, FIRST MONTANA LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M60/8932
Date	Apr 12, 2022
Book Page	M60/8932
Instrument	3396800

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank
Address	HELENA, MT 59604

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 5, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	108 WILLOW AVE, HELENA, MT 59602-7725
Transaction Type	Mortgage
Record Updated	Oct 4, 2021
Title Company	FIRST MONTANA LAND TITLE COMPANY, FIRST MONTANA LAND TITLE COM

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M59/9601
Date	Sep 24, 2021
Book Page	M59/9601
Instrument	3386610

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank
Address	HELENA, MT 59604

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2031

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	108 WILLOW AVE, HELENA, MT 59602-7725
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M53/5353
Date	Nov 7, 2017
Book Page	M53/5353
Instrument	3314193

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank
Address	HELENA, MT 59602

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 108 Willow Ave was $2,378.

Source: Lewis And Clark County assessment roll, as of September 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,378.00	$393,700
2025			$393,700 Land $161,416 Building $232,284
2023	$3,549.00	$323,300	$323,300 Land $116,746 Building $206,554

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

Flood

FEMA maps place 108 Willow Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2018.

Source: FEMA National Flood Hazard Layer, effective April 7, 2024 · 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 File median of 11 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2018)
Most Recent Claim	Jun 2018 · river or lake flooding

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

Wildfire risk around 108 Willow Ave is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 87% of Montana
Wildfire Likelihood	0.02% 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	HELENA WATER SYSTEM serves 32,091 people · EPA ID MT0000241
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: TDS Telecom.

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