Ravalli County property record for 185 Horseback Trl, Florence, MT 59833
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,756 sqft · built 2024 |
| Lot Size | 0.554 acres (24,132 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,707 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R1355183 |
| Primary APN | R1355183 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,756 sqft Living Area |
| 1st Floor Area | 1,756 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 24,132 sqft (0.554 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 374 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 0001425790 |
|---|---|
| Street Address | 185 HORSEBACK TRL |
| City | FLORENCE |
| State | MT |
| Zip | 59833-6797 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ONE HORSE ESTATES PHASES 2, 3, 4 & 5, S15, T10 N, R20 W, 24150 SQUARE FEET, LOT 9 |
| Legal Range | 20W |
| Legal Township | 10N |
| Legal Section | 15 |
| Legal Subdivision | ONE HORSE ESTATES PHASES 2, 3, 4 & 5 |
| Legal Lot Number | 9 |
| Jurisdiction | RAVALLI MT |
| Township / Civil Division | STEVENSVILLE |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 100 |
185 Horseback Trl is owned and occupied by two individuals who acquired it in June 2024.
Source: Ravalli County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 185 HORSEBACK TRL, FLORENCE, MT 59833-6797 |
| 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.
| Date | Document |
|---|---|
| Sep 15, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF MONTANA |
| Oct 3, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK OF MISSOULA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2024 |
| Deed Sale | Jun 6, 2024 |
| Prior Sale | Jun 6, 2024 |
| Deed Document Number | 2024796568 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAVALLI MT |
| Recording Date | Sep 15, 2026 |
| Property Address | 185 HORSEBACK TRL, FLORENCE, MT 59833-6797 |
| Document Number | 0000818910 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 2026818910 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Document Number | 0000818910, |
|---|---|
| Date | Sep 15, 2026 |
| Instrument | 2026818910 |
| Name | BANK OF MONTANA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 118 Months |
| Due | Jul 1, 2036 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAVALLI MT |
| Property Address | 185 HORSEBACK TRL, FLORENCE, MT 59833-6797 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 185 HORSEBACK TRL, FLORENCE, MT 59833-6797 |
| Document Number | 0000808985 |
|---|---|
| Date | Oct 3, 2025 |
| Instrument | 808985 |
| Name | FIRST SECURITY BANK OF MISSOULA |
|---|---|
| Type | Bank |
| Address | MISSOULA, MT 59801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
The 2026 property tax bill for 185 Horseback Trl was $2,707.
Source: Ravalli County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Ravalli County |
| Unified School District | Florence-Carlton K-12 Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,707.00 | $629,000 | |
| 2025 | $629,000 Land $154,298 Building $474,702 | ||
| 2023 | $1,027.00 | $134,978 | $134,978 Land $134,978 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 185 Horseback Trl in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 16, 2022
| 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 risk around 185 Horseback Trl is high, ranking above 83% of the US, with a 0.8% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 83% of the US · above 76% of Montana |
|---|---|
| Wildfire Likelihood | 0.8% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 60 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: Grizzly Broadband, Verizon.
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