Lincoln County property record for 121 W Oak St, Libby, MT 59923
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,950 sqft · built 2007 |
| Lot Size | 0.438 acres (19,079 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,250 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage Apr 2020 Mortgage + 1 more |
| APN | R565425 |
| Primary APN | R565425 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,950 sqft Living Area |
| 1st Floor Area | 1,012 sqft |
| 2nd Floor Area | 938 sqft |
| Basement Area | 1,000 sqft |
| Unfinished Basement | 1,000 sqft |
| Family Room | Family Room |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 19,079 sqft (0.438 acres) |
| Garage Type | Detached |
| Garage Area | 1,680 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Slab |
| Porch Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000004856 |
|---|---|
| Street Address | 121 W OAK ST |
| City | LIBBY |
| State | MT |
| Zip | 59923-1928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PIVAL ADD, S03, T30 N, R31 W, BLOCK 003, LOT 001, PIVAL ADDITION LOT 1 BLK 3 |
| Legal Range | 31W |
| Legal Township | 30N |
| Legal Section | 03 |
| Legal Subdivision | PIVAL ADD |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | LINCOLN MT |
| Township / Civil Division | LIBBY |
| Census Block Group | 3 |
| Census Block | 3087 |
| Census Tract | 200 |
Source: Lincoln County records, as of September 9, 2026
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 Record |
|---|---|
| Mailing Address | 121 W OAK ST, LIBBY, MT 59923-1928 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LINCOLN COUNTY CU |
| Apr 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LINCOLN COUNTY CU |
| Jun 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LINCOLN COUNTY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MT |
| Property Address | 121 W OAK ST, LIBBY, MT 59923-1928 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2021 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE LIBBY |
| Name | Verified Name |
|---|
| Document Number | 390/969 |
|---|---|
| Date | Jul 13, 2021 |
| Book Page | 390/969 |
| Instrument | 294498 |
| Name | LINCOLN COUNTY CU |
|---|---|
| Type | Credit Union |
| Address | LIBBY, MT 59923 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 12, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MT |
| Property Address | 121 W OAK ST, LIBBY, MT 59923-1928 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2020 |
| Name | Verified Name |
|---|
| Document Number | 381/783 |
|---|---|
| Date | Apr 3, 2020 |
| Book Page | 381/783 |
| Instrument | 284775 |
| Name | LINCOLN COUNTY CU |
|---|---|
| Type | Credit Union |
| Address | LIBBY, MT 59923 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Mar 23, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MT |
| Property Address | 121 W OAK ST, LIBBY, MT 59923-1928 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2019 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 377/400 |
|---|---|
| Date | Jun 12, 2019 |
| Book Page | 377/400 |
| Instrument | 279989 |
| Name | LINCOLN COUNTY CU |
|---|---|
| Type | Credit Union |
| Address | LIBBY, MT 59923 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 12, 2034 |
Source: Lincoln County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Lincoln County |
| Municipality | Libby City |
| Unified School District | Libby K-12 Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,250.00 (-35.51%) | $509,800 (+21.06%) | |
| 2025 | $509,800 (+21.06%) Land $59,227 Building $450,573 | ||
| 2023 | $3,489.00 | $421,100 | $421,100 Land $32,000 Building $389,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (1996) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 1996 · Severe Storms, Flooding, And Ice Jams |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 88% of Montana |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF LIBBY serves 4,892 people · EPA ID MT0000274 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | Turbidity resolved · Dec 2025 Treatment failure resolved · Mar 2022 |
|---|---|
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ziply Fiber Fiber | 6,000 / 6,000 |
| Western Montana CommunityTel Cable | 1,000 / 50 |
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