15 Earls Ln, Thompson Falls, MT 59873 Property Records

Sanders County property record for 15 Earls Ln, Thompson Falls, MT 59873

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,560 sqft · built 1988
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on File
Last Sale	$399,000 (Sep 2023)
Tax Bill	$1,470 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R357084`

Property Details

APN / Parcel Number

Primary APN	`R357084`
Alternative APNs	`35-3339-16-2-01-40-0000` `0000004857`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,560 sqft
Family Room	Family Room

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2005
Architectural Style	Rustic
Exterior Material	Other
Construction Type	Log
Roof Type	Gable
Roof Material	Metal
Lot Area	871,200 sqft (20 acres)
Terrain	Wooded
Porch	Slab
Porch Area	340 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	0000004857
Street Address	15 EARLS LN
City	THOMPSON FALLS
State	MT
Zip	59873
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	HOMESTEAD RANCHES, S16, T23 N, R30 W, LOT 00J, ACRES 20, TR J IN NW 20
Legal Range	30W
Legal Township	23N
Legal Section	16
Legal Subdivision	HOMESTEAD RANCHES
Legal Block	O
Legal Lot Number	J
Jurisdiction	SANDERS MT
Township / Civil Division	THOMPSON FALLS-WEST END
Census Block Group	1
Census Block	1010
Census Tract	202

Owner

15 Earls Ln, a rural home, is owned by two individuals who bought it in September 2023.

Source: Sanders County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 268, THOMPSON FALLS, MT 59873-0268
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
Sep 1, 2023	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK
Nov 12, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 17, 2017	Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2023 · Amount on File
Deed Sale	Sep 1, 2023 · Amount on File
Prior Sale	Oct 17, 2017 · Amount on File
Deed Document Number	2023330280
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANDERS MT
Recording Date	Sep 1, 2023
Property Address	15 EARLS LN, THOMPSON FALLS, MT 59873
Document Number	0000330280
Instrument Date	Aug 31, 2023
Instrument	330280
Transaction Type	Transfer
Record Updated	Sep 25, 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	15 EARLS LN, THOMPSON FALLS, MT 59873

Mortgage

Document Number	0000330281
Date	Sep 1, 2023
Instrument	330281

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDERS MT
Property Address	15 EARLS LN, THOMPSON FALLS, MT 59873
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	318900
Date	Nov 12, 2020
Instrument	318900

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Dec 1, 2047

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANDERS MT
Recording Date	Oct 17, 2017
Property Address	15 EARLS LN, THOMPSON FALLS, MT 59873
Document Number	1/89088
Book / Page	1 / 89088
Instrument Date	Oct 16, 2017
Instrument	307942
Transaction Type	Transfer
Record Updated	Aug 13, 2021
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
Address	PO BOX 1480, THOMPSON FALLS, MT 59873-1480

Mortgage

Document Number	1/89089
Date	Oct 17, 2017
Book Page	1/89089
Instrument	307943

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 15 Earls Ln was $1,470, down 13.6% from the year before.

Source: Sanders County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Sanders County
Elementary School District	Thompson Falls Elementary School District (PK - 08)
Secondary School District	Thompson Falls High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,470.00 (-13.58%)	$397,201 (-)
2025	$1,701.00	$397,201	$397,201 Land $153,311 Building $243,890
2023	$1,668.00	$251,175	$251,175 Land $87,515 Building $163,660

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

Flood

FEMA maps place 15 Earls Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 14, 2019 · 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
Nearby Flood Policies	1 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 15 Earls Ln is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 66% of Montana
Wildfire Likelihood	0.1% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blackfoot Telephone Cooperative Fiber · DSL	1,000 / 500
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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