1978 Waters Edge, Bonner, MT 59823 Property Records

Missoula County property record for 1978 Waters Edge, Bonner, MT 59823

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,890 sqft · built 2005
Lot Size	2.3 acres (100,188 sqft)
Owner	Individual Name on Record
Last Sale	$793,012 (Apr 2023)
Tax Bill	$6,956 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Mar 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R0474142`

Property Details

APN / Parcel Number

Primary APN	`R0474142`
Alternative APNs	`04-2201-14-1-02-07-0000` `0003068604` `3068604`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,890 sqft Living Area
Gross Area	4,440 sqft
1st Floor Area	1,670 sqft
2nd Floor Area	2,220 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	100,188 sqft
View / Lot	Rural
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	118 sqft
Deck Area	290 sqft
Shed	1 Shed
Shed Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0003068604
Street Address	1978 WATERS EDGE
City	BONNER
State	MT
Zip	59823-9715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S14, T13 N, R18 W, C.O.S. 475, PARCEL D, NE4
Legal Range	18W
Legal Township	13N
Legal Section	14
Legal Subdivision	CERTIFICATE/SURV 475 D
Legal Tract	D
Legal Block	1
Legal Lot Number	D
Jurisdiction	MISSOULA MT
Township / Civil Division	MISSOULA
Census Block Group	1
Census Block	1152
Census Tract	1401

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2599 FIELD LN, RIVERSIDE, CA 92501-2051
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 28, 2023	Deed of Trust, Mortgage · Line of Credit FIRST MONTANA BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2023 · Amount on Record
Deed Sale	Apr 13, 2023 · Amount on Record
Prior Sale	May 31, 2013
Deed Document Number	20233787
Deed Book / Page	1087 / 880
Prior Transfer Date	Nov 18, 2002
Prior Transfer Doc	0000036200
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MISSOULA MT
Recording Date	Apr 13, 2023
Property Address	1978 WATERS EDGE, BONNER, MT 59823-9715
Document Number	0010870880
Book / Page	1087 / 880
Map Reference	MB 294 PG 2150
Instrument Date	Apr 13, 2023
Instrument	202303787
Transaction Type	Transfer
Record Updated	Apr 24, 2023
Title Company	INSURED TITLE, INSURED TITLES LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2599 FIELD LN, RIVERSIDE, CA 92501-2051

Mortgage

Document Number	0202303788
Date	Apr 13, 2023
Instrument	202303788

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MISSOULA MT
Property Address	1978 WATERS EDGE, BONNER, MT 59823-9715
Transaction Type	Mortgage
Record Updated	Apr 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1978 WATERS EDGE, BONNER, MT 59823-9715

Mortgage

Document Number	0010870270
Date	Mar 28, 2023
Book Page	1087/270
Instrument	202303177

Lender

Name	FIRST MONTANA BANK INC
Type	Bank
Address	MISSOULA, MT 59802

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$939,600 (-) Land $287,930 Building $651,670	$939,600 (-) Land $287,930 Building $651,670
2025	$6,956.00 (+2.26%)	$939,600 (+27.65%)	$939,600 (+27.65%) Land $287,930 Building $651,670
2023	$6,802.00	$736,100	$736,100 Land $176,800 Building $559,300

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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

Wildfire Risk	High above 85% of the US · above 80% of Montana
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G and 4G LTE (outdoors only)

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