10955 Cedar Rdg Rd, Missoula, MT 59804 Property Records

Missoula County property record for 10955 Cedar Rdg Rd, Missoula, MT 59804

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,087 sqft · built 1994
Lot Size	20 acres (875,120 sqft)
Owner	2 Individual Names on File
Last Sale	$306,300 (Jul 2021)
Tax Bill	$2,974 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0496548`

Property Details

APN / Parcel Number

Primary APN	`R0496548`
Alternative APNs	`04-2199-32-1-01-09-0000` `0006003526` `6003526`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,087 sqft Living Area
1st Floor Area	848 sqft
Upper Floors Area	81 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	875,120 sqft
View / Lot	Rural

Exterior Amenities

Porch	Open Frame Porch
Porch Area	112 sqft
Deck Area	370 sqft
Shed	1 Shed
Lean-To	Lean-To
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0006003526
Street Address	10955 CEDAR RIDGE RD
City	MISSOULA
State	MT
Zip	59804-9316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	S32, T13 N, R20 W, ACRES 20.09, TR 16 IN W2 NE4
Legal Subdivision	16 CERTIFICATE/SURV 560
Legal Tract	16
Legal Block	2
Legal Lot Number	16
Jurisdiction	MISSOULA MT
Township / Civil Division	LOLO
Census Block Group	2
Census Block	2103
Census Tract	902

Owner

10955 Cedar Rdg Rd is owned by two individuals who bought it in July 2021.

Source: Missoula County records, as of September 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 2459, MISSOULA, MT 59806-2459
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2021 · Amount on File
Deed Sale	Jul 16, 2021 · Amount on File
Prior Sale	Nov 17, 2016 · Amount on File
Deed Document Number	202117670
Deed Book / Page	1059 / 600
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MISSOULA MT
Recording Date	Jul 16, 2021
Property Address	10955 CEDAR RIDGE RD, MISSOULA, MT 59804-9316
Document Number	0010590600
Book / Page	1059 / 600
Instrument Date	Jul 15, 2021
Instrument	202117670
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3880 WAKEFIELD HALL SQ SE, 3880, SMYRNA, GA 30080-4915

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 2459, MISSOULA, MT 59806-2459

Mortgage

Document Number	202117671
Date	Jul 16, 2021
Instrument	202117671

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 10955 Cedar Rdg Rd was $2,974.

Source: Missoula County assessment roll, as of September 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$497,298 (-) Land $247,238 Building $250,060	$497,298 (-) Land $247,238 Building $250,060
2025	$2,974.00	$497,298	$497,298 Land $247,238 Building $250,060
2023	$3,621.00	$416,864	$416,864 Land $209,274 Building $207,590

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

Flood

FEMA maps place 10955 Cedar Rdg Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 9, 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 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.

Wildfire

Wildfire risk around 10955 Cedar Rdg Rd is high, ranking above 74% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 74% of the US · above 58% of Montana
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CIS Fixed Wireless	1,000 / 1,000
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cedar Rdg Rd

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