Lincoln County property record for 181 Montgomery Dr, Libby, MT 59923
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,368 sqft · built 1997 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $271,200 (Apr 2020) |
| Tax Bill | $1,262 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Oct 2025 Mortgage + 2 more |
| APN | R5615590 |
| Primary APN | R5615590 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,368 sqft Living Area |
| 1st Floor Area | 1,368 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 204 sqft |
| Shed | 1 Shed |
| Shed Area | 42 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 0000015178 |
|---|---|
| Street Address | 181 MONTGOMERY DR |
| City | LIBBY |
| State | MT |
| Zip | 59923-2916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KINZEY ACRES, S05, T30 N, R31 W, ACRES 1, LOT 2 PM 5941 |
| Legal Range | 31W |
| Legal Township | 30N |
| Legal Section | 05 |
| Legal Subdivision | KINZEY ACRES |
| Legal Lot Number | 2 |
| Jurisdiction | LINCOLN MT |
| Township / Civil Division | LIBBY |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 300 |
Source: Lincoln County records, as of October 8, 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 | 181 MONTGOMERY DR, LIBBY, MT 59923-2916 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 23, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Oct 14, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 24, 2020 | Warranty Deed, Transfer · FHA Mortgage LENDUS LLC |
| Jan 10, 2018 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2020 · Amount on Record |
| Deed Sale | Apr 24, 2020 · Amount on Record |
| Prior Sale | Dec 12, 2016 · Amount on Record |
| Deed Document Number | 2020285076 |
| Deed Book / Page | 382 / 68 |
| Prior Transfer Date | Jan 10, 2018 |
| Prior Transfer Doc | 370/729 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MT |
| Recording Date | Sep 23, 2026 |
| Property Address | 181 MONTGOMERY DR, LIBBY, MT 59923-2916 |
| Document Number | 0000323082 |
| Book / Page | 416 / 777 |
| Instrument Date | Sep 2, 2026 |
| Instrument | 2026323082 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 181 MONTGOMERY DR, LIBBY, MT 59923-2916 |
| Document Number | 0000323082, |
|---|---|
| Date | Sep 23, 2026 |
| Book Page | 416/777 |
| Instrument | 2026323082 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 284 Months |
| Due | May 1, 2050 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MT |
| Property Address | 181 MONTGOMERY DR, LIBBY, MT 59923-2916 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 181 MONTGOMERY DR, LIBBY, MT 59923-2916 |
| Document Number | 000412/237 |
|---|---|
| Date | Oct 14, 2025 |
| Book Page | 412/237 |
| Instrument | 317882 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 295 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN MT |
| Recording Date | Apr 24, 2020 |
| Property Address | 181 MONTGOMERY DR, LIBBY, MT 59923-2916 |
| Document Number | 382/68 |
| Book / Page | 382 / 68 |
| Map Reference | PL 5941 |
| Instrument Date | Apr 13, 2020 |
| Instrument | 285076 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FIRST AMERICAN TITLE - LIBBY, FIRST AMERICAN TITLE LIBBY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 181 MONTGOMERY DR, LIBBY, MT 59923-2916 |
| Document Number | 285077 |
|---|---|
| Date | Apr 24, 2020 |
| Instrument | 285077 |
| Name | LENDUS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LINCOLN MT |
| Recording Date | Jan 10, 2018 |
| Property Address | 181 MONTGOMERY DR, LIBBY, MT 59923-2916 |
| Document Number | 370/729 |
| Book / Page | 370 / 729 |
| Instrument Date | Jan 10, 2018 |
| Instrument | 272303 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 1395, LIBBY, MT 59923-1395 |
Source: Lincoln County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Lincoln County |
| Unified School District | Libby K-12 Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,262.00 (+11.98%) | $358,000 (-) | |
| 2025 | $1,127.00 (-49.75%) | $358,000 (+11.81%) | $358,000 (+11.81%) Land $62,200 Building $295,800 |
| 2023 | $2,243.00 | $320,200 | $320,200 Land $63,400 Building $256,800 |
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 | 4 in force |
| Nearby Flood Claims | 4 (1996–1998) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | May 1998 · rainfall accumulation |
| Claims by Event |
|
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 | Moderate above 55% of the US · lower than 69% of Montana |
|---|---|
| Wildfire Likelihood | 0.08% 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 180 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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