12405 Michael Ct, Lolo, MT 59847 Property Records

Missoula County property record for 12405 Michael Ct, Lolo, MT 59847

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,548 sqft · built 1968
Lot Size	6.36 acres (277,042 sqft)
Owner	Individual Name on File
Last Sale	$281,300 (May 2019)
Tax Bill	$4,297 (2025)
Deeds & Mortgages	Jun 2020 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`R0473156`

Property Details

APN / Parcel Number

Primary APN	`R0473156`
Alternative APNs	`04-2092-35-4-03-04-0000` `0002484106` `2484106`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,548 sqft Living Area
Gross Area	2,248 sqft
1st Floor Area	1,548 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	277,042 sqft
View / Lot	Neighborhood
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	372 sqft
Pole Barn	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Account Number	0002484106
Street Address	12405 MICHAEL CT
City	LOLO
State	MT
Zip	59847-9752
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	S35, T12 N, R20 W, C.O.S. 668, NW4 SE4
Legal Range	20W
Legal Township	12N
Legal Section	35
Legal Block	1
Jurisdiction	MISSOULA MT
Township / Civil Division	LOLO
Census Block Group	1
Census Block	1028
Census Tract	1501

Owner

12405 Michael Ct is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	12405 MICHAEL CT, LOLO, MT 59847-9752
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
Jun 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
May 17, 2019	Warranty Deed, Transfer · Commercial Mortgage FARMERS STATE BANK
Oct 27, 2017	Grant Deed, Transfer OPPORTUNITY BK/MT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2019 · Amount on File
Deed Sale	May 17, 2019 · Amount on File
Prior Sale	Oct 27, 2017 · Amount on File
Deed Document Number	20196776
Deed Book / Page	1012 / 311
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MISSOULA MT
Property Address	12405 MICHAEL CT, LOLO, MT 59847-9752
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010311394
Date	Jun 9, 2020
Book Page	1031/1394
Instrument	202011164

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	LOLO, MT 59847

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MISSOULA MT
Recording Date	May 17, 2019
Property Address	12405 MICHAEL CT, LOLO, MT 59847-9752
Document Number	0010120311
Book / Page	1012 / 0311
Instrument Date	May 15, 2019
Instrument	201906776
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	INSURED TITES LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12405 MICHAEL CT, LOLO, MT 59847-9752

Mortgage

Document Number	201906777
Date	May 17, 2019
Instrument	201906777

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MISSOULA MT
Recording Date	Oct 27, 2017
Property Address	12405 MICHAEL CT, LOLO, MT 59847-9752
Document Number	0009880909
Book / Page	000988 / 000909
Instrument Date	Oct 19, 2017
Instrument	22051
Transaction Type	Transfer
Record Updated	Nov 24, 2017
Title Company	INSURED 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	12405 MICHAEL CT LOLO MT 598479752, LOLO, MT 59847-9752

Mortgage

Document Number	9880910
Date	Oct 27, 2017
Book Page	000988/000910
Instrument	22052

Lender

Name	OPPORTUNITY BK/MT
Address	HELENA, MT 59604

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 26, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12405 Michael Ct was $4,297.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$663,700 (-) Land $291,580 Building $372,120	$663,700 (-) Land $291,580 Building $372,120
2025	$4,297.00	$663,700	$663,700 Land $291,580 Building $372,120
2023	$5,105.00	$502,400	$502,400 Land $158,648 Building $343,752

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

Flood

FEMA maps place 12405 Michael Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 9, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 24 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	24 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 12405 Michael Ct is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 58% of the US · lower than 66% of Montana
Wildfire Likelihood	0.2% 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
CIS Fixed Wireless	1,000 / 1,000
Rocky Mountain Internet Fixed Wireless	350 / 100

May also be available: Verizon.

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