22 Ridge Loop Rd, Trout Creek, MT 59874 Property Records

Sanders County property record for 22 Ridge Loop Rd, Trout Creek, MT 59874

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,296 sqft · built 2022
Lot Size	20 acres (871,636 sqft)
Owner	2 Trust Names on File
Last Sale	$456,300 (Sep 2022)
Tax Bill	$3,041 (2026)
Deeds & Mortgages	Jul 2026 Construction Loan Jun 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R861328`

Property Details

APN / Parcel Number

Primary APN	`R861328`
Alternative APNs	`35-3457-33-2-01-20-0000` `0000011735`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	871,636 sqft (20 acres)
Garage Type	Detached
Garage Area	1,512 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,584 sqft
Shed	1 Shed
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	0000011735
Street Address	22 RIDGE LOOP RD
City	TROUT CREEK
State	MT
Zip	59874-8003
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	S33, T24 N, R31 W, ACRES 20.01, SOUTH HILL RIDGE SUB LOT 4
Legal Range	31W
Legal Township	24N
Legal Section	33
Legal Subdivision	SOUTH HILL RIDGE SUBDIVISION PLAT
Legal Lot Number	4
Jurisdiction	SANDERS MT
Township / Civil Division	THOMPSON FALLS-WEST END
Census Block Group	3
Census Block	3085
Census Tract	202

Owner

22 Ridge Loop Rd, a rural home, is held in a trust since January 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	18 RIDGE LOOP RD, TROUT CREEK, MT 59874-8003
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Construction Mortgage BANK OF MONTANA
Jun 22, 2021	Intrafamily Transfer, Transfer
Oct 21, 2020	Warranty Deed, Transfer LAKE CNTY LAND TITLE, LAKE COUNTY LAND TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2022 · Amount on File
Deed Sale	Sep 6, 2022 · Amount on File
Prior Sale	Oct 21, 2020
Deed Document Number	2022327279
Last Transfer Date	Jan 29, 2025
Transfer Doc	0000334999
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDERS MT
Recording Date	Jul 13, 2026
Property Address	22 RIDGE LOOP RD, TROUT CREEK, MT 59874-8003
Document Number	0000340806
Instrument Date	Jul 2, 2026
Instrument	2026340806
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000340806,
Date	Jul 13, 2026
Instrument	2026340806

Lender

Name	BANK OF MONTANA

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 1, 2027

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANDERS MT
Recording Date	Jun 22, 2021
Property Address	TROUT CREEK, MT 59874
Document Number	0000321958
Map Reference	FILE 318448
Instrument Date	Jun 4, 2021
Instrument	321958
Transaction Type	Transfer
Record Updated	Aug 18, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4430 SECRET CANYON RD, ELLENSBURG, WA 98926-5071

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANDERS MT
Recording Date	Oct 21, 2020
Property Address	TROUT CREEK, MT 59874
Document Number	0000318608
Instrument Date	Oct 19, 2020
Instrument	318608
Transaction Type	Transfer
Record Updated	Aug 18, 2023
Title Company	LAKE CNTY LAND TITLE, LAKE COUNTY LAND TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1537, TROUT CREEK, MT 59874-1537

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4430 SECRET CANYON RD, ELLENSBURG, WA 98926-5071

Tax Assessment & Valuation

The 2026 property tax bill for 22 Ridge Loop Rd was $3,041, down 15.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,041.00 (-15.53%)	$763,845 (-)
2025	$3,600.00	$763,845	$763,845 Land $121,155 Building $642,690
2023	$3,374.00	$529,537	$529,537 Land $71,947 Building $457,590

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

Flood

FEMA maps place 22 Ridge Loop Rd 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	4 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 22 Ridge Loop Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 41% of Montana
Wildfire Likelihood	0.2% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blackfoot Telephone Cooperative Fiber	1,000 / 500

Nearby Properties on Ridge Loop Rd

Nearby Streets

All Trout Creek, MT Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures