19420 Trout Ln, Bonner, MT 59823 Property Records

Missoula County property record for 19420 Trout Ln, Bonner, MT 59823

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,610 sqft · built 1991
Lot Size	1.86 acres (81,022 sqft)
Owner	2 Individual Names on File
Last Sale	$635,600 (Oct 2021)
Tax Bill	$4,175 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0474259`

Property Details

APN / Parcel Number

Primary APN	`R0474259`
Alternative APNs	`04-2202-10-1-01-15-0000` `0003080300` `3080300`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,610 sqft Living Area
1st Floor Area	1,305 sqft
Basement Area	1,305 sqft
Finished Basement	1,305 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Bi-Level
Exterior Material	Frame/Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	81,022 sqft
View / Lot	Rural
Garage Type	Detached
Garage Area	1,144 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	108 sqft
Deck Area	337 sqft
Lean-To	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0003080300
Street Address	19420 TROUT LN
City	BONNER
State	MT
Zip	59823-9633
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAINBOW BEND ESTATES, S10, T13 N, R17 W, LOT 8, PHASE 2
Legal Subdivision	RAINBOW BEND ESTATES
Legal Block	1
Legal Lot Number	8
Jurisdiction	MISSOULA MT
Township / Civil Division	MISSOULA
Census Block Group	1
Census Block	1164
Census Tract	1401

Owner

19420 Trout Ln is owned and occupied by two individuals who bought it in October 2021.

Source: Missoula County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	19420 TROUT LN, BONNER, MT 59823-9633
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
Mar 23, 2026	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 15, 2021	Warranty Deed, Transfer · Conventional Mortgage PACIFIC RESIDENTIAL MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2021 · Amount on File
Deed Sale	Oct 15, 2021 · Amount on File
Prior Sale	Jun 3, 2015 · Amount on File
Deed Document Number	202126371
Deed Book / Page	1065 / 901
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MISSOULA MT
Property Address	19420 TROUT LN, BONNER, MT 59823-9633
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19420 TROUT LN, BONNER, MT 59823-9633

Mortgage

Document Number	0011260139
Date	Mar 23, 2026
Book Page	1126/139
Instrument	202604076

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 13, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MISSOULA MT
Recording Date	Oct 15, 2021
Property Address	19420 TROUT LN, BONNER, MT 59823-9633
Document Number	0010650901
Book / Page	1065 / 901
Map Reference	MB 17 PG 4
Instrument Date	Oct 14, 2021
Instrument	202126371
Transaction Type	Transfer
Record Updated	Nov 1, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	19420 TROUT LN, BONNER, MT 59823-9633

Mortgage

Document Number	202126372
Date	Oct 15, 2021
Instrument	202126372

Lender

Name	PACIFIC RESIDENTIAL MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 19420 Trout Ln was $4,175, down 16.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Montana
County	Missoula County
Elementary School District	Bonner 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		$607,100 (-) Land $148,210 Building $458,890	$607,100 (-) Land $148,210 Building $458,890
2025	$4,175.00 (-16.88%)	$607,100 Land $148,210 Building $458,890	$607,100 Land $148,210 Building $458,890
2024	$5,023.00 (-0.79%)
2023	$5,063.00	$546,600	$546,600 Land $96,760 Building $449,840

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

Flood

FEMA maps place 19420 Trout Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 9, 2024 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 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 19420 Trout Ln is high, ranking above 82% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 82% of the US · above 73% of Montana
Wildfire Likelihood	0.6% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Blackfoot Telephone Cooperative DSL	40 / 5

Cell Coverage

4G LTE (outdoors only), no 5G reported

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