1103 Stuart St, Helena, MT 59601 Property Records

Lewis And Clark County property record for 1103 Stuart St, Helena, MT 59601

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,979 sqft · built 1950
Lot Size	0.287 acres (12,502 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,892 (2026)
Deeds & Mortgages	May 2021 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R055614`

Property Details

APN / Parcel Number

Primary APN	`R055614`
Alternative APNs	`05-1887-25-2-18-09-0000` `0000004036`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,979 sqft Living Area
1st Floor Area	1,979 sqft
Basement Area	200 sqft
Finished Basement	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,502 sqft (0.287 acres)
Garage Type	Detached
Garage Area	368 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	171 sqft
Deck Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000004036
Street Address	1103 STUART ST
City	HELENA
State	MT
Zip	59601-2138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	CANNON ADDN, S25, T10 N, R04 W, BLOCK 83, LOT 13 - 16
Legal Range	04W
Legal Township	10N
Legal Section	25
Legal Subdivision	CANNON ADDN
Legal Block	83
Legal Lot Number	13-16
Jurisdiction	LEWIS AND CLARK MT
Township / Civil Division	HELENA
Census Block Group	2
Census Block	2017
Census Tract	702

Owner

1103 Stuart St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1103 STUART ST, HELENA, MT 59601-2138
Occupancy	Owner Occupied
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

Date	Document
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage OPPORTUNITY BANK OF MT
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage OPPORTUNITY BANK OF MT
May 5, 2017	Deed of Trust, Mortgage · Line of Credit OPPORTUNITY BANK OF MT

Assessor's Deed Record

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

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	1103 STUART ST, HELENA, MT 59601-2138
Transaction Type	Mortgage
Record Updated	Jun 17, 2021
Title Company	FIRST MONTANA TITLE, FIRST MONTANA LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M59/3264
Date	May 28, 2021
Book Page	M59/3264
Instrument	3379446

Lender

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

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	1103 STUART ST, HELENA, MT 59601-2138
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	FIRST MONTANA TITLE, FIRST MONTANA LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M59/502
Date	Apr 12, 2021
Book Page	M59/502
Instrument	3376477

Lender

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

Agreement

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	1103 STUART ST, HELENA, MT 59601-2138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST MONTANA TITLE, FIRST MONTANA LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M52/7375
Date	May 5, 2017
Book Page	M52/7375
Instrument	3304860

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	May 1, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 1103 Stuart St was $3,892.

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	$3,892.00	$617,400
2025			$617,400 Land $180,250 Building $437,150
2023	$5,155.00	$473,000	$473,000 Land $119,000 Building $354,000

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

Flood

FEMA maps place 1103 Stuart St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 7, 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

Wildfire risk around 1103 Stuart St is moderate, ranking above 46% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 78% of Montana
Wildfire Likelihood	0.06% 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	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 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Montana Internet, TDS Telecom.

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