220 W Cedar St, Libby, MT 59923 Property Records

Lincoln County property record for 220 W Cedar St, Libby, MT 59923 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1956
Lot Size	0.33 acres (14,418 sqft)
Owner	Individual Name on File
Tax Bill	$1,138 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2019 Mortgage
APN	`R569098`

Property Details

APN / Parcel Number

Primary APN	`R569098`
Alternative APNs	`56-4175-10-2-19-16-0000` `0000008270`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Finished Basement	1,232 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	14,418 sqft (0.33 acres)
Lot Dimensions	160 ft deep x 90 ft wide
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000008270
Street Address	220 W CEDAR ST
City	LIBBY
State	MT
Zip	59923-2609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JOHNSTON ACRE TRACTS, S10, T30 N, R31 W, BLOCK A, LOT 5D PLAT 352
Legal Subdivision	JOHNSTON ACRE TRACTS
Legal Block	A
Legal Lot Number	5D
Jurisdiction	LINCOLN MT
Township / Civil Division	LIBBY
Census Block Group	3
Census Block	3074
Census Tract	200

Owner

Source: Lincoln County records · APN R569098

Assessment roll updated December 31, 2024 · Last verified January 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 File
Co-owner	Verified Secondary Owner
Mailing Address	220 W CEDAR ST, LIBBY, MT 59923-2609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 30, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST CLASS MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 24, 2025
Deed Sale	Oct 24, 2025
Prior Sale	Apr 30, 2019
Deed Document Number	318086
Deed Book / Page	412 / 424
Record Updated	Jun 08, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MT
Recording Date	Oct 24, 2025
Property Address	220 W CEDAR ST, LIBBY, MT 59923-2609
Document Number	000412/424
Book / Page	412 / 424
Instrument Date	Oct 23, 2025
Instrument	318086
Transaction Type	Transfer
Record Updated	Apr 03, 2026
Title Company	FLYING S T&E OF MT INC

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 with Right of Survivorship
Address	220 W CEDAR ST, LIBBY, MT 59923-2609

Mortgage

Document Number	0000318087
Date	Oct 24, 2025
Instrument	318087

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MT
Recording Date	Apr 30, 2019
Property Address	220 W CEDAR ST, LIBBY, MT 59923-2609
Document Number	000376/813
Book / Page	376 / 813
Map Reference	PLAT 352
Instrument Date	Apr 26, 2019
Instrument	279345
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMER TTL CO OF MT INC

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 with Right of Survivorship
Address	220 W CEDAR ST, LIBBY, MT 59923-2609

Mortgage

Document Number	0000279346
Date	Apr 30, 2019
Instrument	279346

Lender

Name	FIRST CLASS MORTGAGE
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2049

Tax Assessment & Valuation

Source: Lincoln County records · Assessment roll updated December 31, 2024 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Montana
County	Lincoln County
Municipality	Libby City
Unified School District	Libby K-12 Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,138.00 (-45.18%)	$304,800 (+21.68%)	$304,800 (+21.68%) Land $55,240 Building $249,560
2023	$2,076.00	$250,500	$250,500 Land $29,420 Building $221,080

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 300530002003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1996, river or lake flooding, Severe Storms, Flooding, And Ice Jams

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 22% of Montana
Wildfire Likelihood	About 1 in 1,667 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 147 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Northwest Fiber	Fiber	6,000 / 6,000
CommunityTel	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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