2204 Lorac Ct, Helena, MT 59602 Property Records

Lewis And Clark County property record for 2204 Lorac Ct, Helena, MT 59602

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,912 sqft · built 2018
Lot Size	5.02 acres (218,671 sqft)
Owner	2 Individual Names on File
Last Sale	$168,600 (Aug 2018)
Tax Bill	$2,815 (2026)
Deeds & Mortgages	Aug 2018 Mortgage Apr 2018 Construction Loan + 1 more
Flood Zone	Zone D (undetermined)
APN	`R0537854`

Property Details

APN / Parcel Number

Primary APN	`R0537854`
Alternative APNs	`05-1995-10-2-01-01-0000` `0000040456`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,912 sqft Living Area
1st Floor Area	1,912 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	218,671 sqft (5.02 acres)
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	320 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000040456
Street Address	2204 LORAC CT
City	HELENA
State	MT
Zip	59602-6857
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	LORAC MINOR SUBDIVISION, S10, T11 N, R03 W, LOT 32-A, ACRES 5.02, COS 3315084
Legal Range	03W
Legal Township	11N
Legal Section	10
Legal Subdivision	LORAC MINOR SUBDIVISION
Legal Tract	32
Legal Lot Number	32-A
Jurisdiction	LEWIS AND CLARK MT
Township / Civil Division	WOLF CREEK
Census Block Group	2
Census Block	2045
Census Tract	300

Owner

2204 Lorac Ct is owned and occupied by two individuals who bought it in August 2018.

Source: Lewis And Clark County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2204 LORAC CT, HELENA, MT 59602-6857
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
Aug 17, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BANK NA
Apr 3, 2018	Warranty Deed, Construction Loan · Construction Mortgage STOCKMAN BANK
Dec 21, 2017	Warranty Deed, Transfer · Commercial Mortgage VALLEY BANK OF HELENA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2018 · Amount on File
Deed Sale	Aug 17, 2018 · Amount on File
Prior Sale	Apr 3, 2018 · Amount on File
Deed Document Number	20183325955
Deed Book / Page	54 / 5685
Record Updated	Oct 29, 2026

August 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Aug 17, 2018
Property Address	2204 LORAC CT, HELENA, MT 59602-6857
Document Number	M54/5685
Book / Page	M54 / 5685
Map Reference	DOC3315084
Instrument Date	Aug 16, 2018
Instrument	3325955
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 12, 2021
Title Company	FIRST MONTANA LAND TITLE COMPANY, FIRST MONTANA TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2204 LORAC CT, HELENA, MT 59602-6857

Mortgage

Document Number	3325956
Date	Aug 17, 2018
Instrument	3325956

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

April 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Apr 3, 2018
Property Address	2204 LORAC CT, HELENA, MT 59602-6857
Document Number	M54/0372
Book / Page	M54 / 0372
Map Reference	DOC3315084
Instrument Date	Apr 2, 2018
Instrument	3319786
Transaction Type	Construction Loan
Record Updated	Aug 12, 2021
Title Company	FIRST MONTANA LAND TITLE COMPANY, FIRST MONTANA LAND TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 598, EAST HELENA, MT 59635-0598

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3915 CHAPPARAL DR, HELENA, MT 59602-9412

Mortgage

Document Number	3319787
Date	Apr 3, 2018
Instrument	3319787

Lender

Name	STOCKMAN BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	6 Months
Due	Oct 2, 2018

Mortgage

Document Number	M54/0374
Date	Apr 3, 2018
Book Page	M54/0374
Instrument	3319788

Lender

Name	ROBERT S UTICK
Type	Private Party
Address	PO BOX 598, EAST HELENA, MT 59635

Agreement

Amount	Amount on Record
Term	12 Months
Due	Apr 2, 2019

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Dec 21, 2017
Property Address	2204 LORAC CT, HELENA, MT 59602-6857
Document Number	M53/6994
Book / Page	M53 / 6994
Map Reference	DOC3315084
Instrument Date	Dec 20, 2017
Instrument	3316063
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	FIRST MONTANA LAND TITLE COMPANY, FIRST MONTANA LAND TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2204 LORAC CT, HELENA, MT 59602-6857

Mortgage

Document Number	3316064
Date	Dec 21, 2017
Instrument	3316064

Lender

Name	VALLEY BANK OF HELENA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 2204 Lorac Ct was $2,815 with a homeowner's exemption.

Source: Lewis And Clark County assessment roll, as of September 11, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Lewis And Clark County
Elementary School District	Helena Elementary School District (PK - 08)
Secondary School District	Helena High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,815.00 Homeowner's exemption	$655,600
2025			$655,600 Land $156,264 Building $499,336
2023	$4,169.00	$520,100	$520,100 Land $127,698 Building $392,402

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

Flood

FEMA maps place 2204 Lorac Ct in Zone D, where flood risk has not been studied, though there have been 3 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective April 7, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1978–1996)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 1996 · other causes

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 2204 Lorac Ct is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 67% of Montana
Wildfire Likelihood	0.1% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Montana Internet Fixed Wireless · Fiber in parts of the area	25 / 5
T-Mobile Fixed Wireless	25 / 3

May also be available: CenturyLink, Spectrum.

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