109 E Central Ave, Missoula, MT 59801 Property Records

Missoula County property record for 109 E Central Ave, Missoula, MT 59801

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 440 sqft · built 1910
Lot Size	0.083 acres (3,615 sqft)
Owner	2 Individual Names on File
Last Sale	$324,187 (Nov 2023)
Tax Bill	$2,793 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0447777`

Property Details

APN / Parcel Number

Primary APN	`R0447777`
Alternative APNs	`04-2200-27-3-07-11-0000` `0000333668` `0333668`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	440 sqft Living Area
Gross Area	505 sqft
1st Floor Area	440 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,615 sqft (0.083 acres)
Lot Dimensions	120 ft deep x 30 ft wide
View / Lot	Neighborhood
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Frame Porch
Porch Area	48 sqft
Deck Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000333668
Street Address	109 E CENTRAL AVE
City	MISSOULA
State	MT
Zip	59801-6918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	RESIDENCE ADDITION, S27, T13 N, R19 W, BLOCK 12, LOT 9
Legal Subdivision	RESIDENCE ADDITION
Legal Block	12
Legal Lot Number	9
Jurisdiction	MISSOULA MT
Township / Civil Division	MISSOULA
Census Block Group	2
Census Block	2022
Census Tract	501

Owner

Source: Missoula County assessment roll, as of September 15, 2025

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	319 N 9TH AVE, BOZEMAN, MT 59715-3327
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Warranty Deed, Transfer · Conventional Mortgage OPPORTUNITY BANK OF MT
Jun 4, 2020	Warranty Deed, Transfer STOCKMAN BK/MT

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 6, 2023 · Amount on Record
Deed Sale	Nov 6, 2023 · Amount on Record
Prior Sale	Jun 4, 2020 · Amount on Record
Deed Document Number	202313984
Deed Book / Page	1094 / 1277
Prior Transfer Date	Aug 17, 2011
Prior Transfer Doc	0008811098
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MISSOULA MT
Recording Date	Nov 6, 2023
Property Address	109 E CENTRAL AVE, MISSOULA, MT 59801-6918
Document Number	0010941277
Book / Page	1094 / 1277
Instrument Date	Oct 26, 2023
Instrument	202313984
Transaction Type	Transfer
Record Updated	Nov 16, 2023
Title Company	NOT AVAILABLE, FLYING S T&E OF MT INC

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
Address	109 E CENTRAL AVE, MISSOULA, MT 59801-6918

Mortgage

Document Number	0202313985
Date	Nov 6, 2023
Instrument	202313985

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	4.5%
Max Rate At Change	11.2%
Max Rate	13.7%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MISSOULA MT
Recording Date	Jun 4, 2020
Property Address	109 E CENTRAL AVE, MISSOULA, MT 59801-6918
Document Number	0010310989
Book / Page	001031 / 000989
Instrument Date	Jun 2, 2020
Instrument	10759
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	FIRST AMERICAN 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	109 E CENTRAL AVE MISSOULA MT 598016918, MISSOULA, MT 59801-6918

Mortgage

Document Number	10310990
Date	Jun 4, 2020
Book Page	001031/000990
Instrument	10760

Lender

Name	STOCKMAN BK/MT
Type	Bank
Address	MILES CITY, MT 59301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2050

Tax Assessment & Valuation

Source: Missoula County assessment roll, as of September 15, 2025

Property Jurisdictions

Type	Name
State	Montana
County	Missoula County
Municipality	Missoula City
Secondary School District	Missoula High School District (09 - 12)
Elementary School District	Missoula Elementary School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,793.00 (-28.57%)	$349,400 (+13.52%) Land $196,368 Building $153,032	$349,400 (+13.52%) Land $196,368 Building $153,032
2024	$3,910.00 (+6.02%)
2023	$3,688.00	$307,800	$307,800 Land $195,000 Building $112,800

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 May 9, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 62% of the US · lower than 86% of Montana
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach

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	MISSOULA WATER serves 68,200 people · EPA ID MT0000294
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 586 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
CIS Fixed Wireless	1,000 / 1,000

May also be available: Verizon.

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