2220 Lorac Ct, Helena, MT 59602 Property Records

Lewis And Clark County property record for 2220 Lorac Ct, Helena, MT 59602

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,404 sqft · built 2018
Lot Size	5.02 acres (218,671 sqft)
Owner	2 Individual Names on File
Last Sale	$266,665 (Apr 2022)
Tax Bill	$3,971 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2022 Mortgage + 3 more
Flood Zone	Zone D (undetermined)
APN	`R838338`

Property Details

APN / Parcel Number

Primary APN	`R838338`
Alternative APNs	`05-1995-10-2-01-02-0000` `0000047354`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,404 sqft Living Area
1st Floor Area	2,404 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	218,671 sqft (5.02 acres)
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	318 sqft
Deck Area	42 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000047354
Street Address	2220 LORAC CT
City	HELENA
State	MT
Zip	59602-6857
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LORAC MINOR SUBDIVISION, S10, T11 N, R03 W, LOT 32-B, 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-B
Jurisdiction	LEWIS AND CLARK MT
Township / Civil Division	WOLF CREEK
Census Block Group	2
Census Block	2044
Census Tract	300

Owner

2220 Lorac Ct is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2220 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
Feb 1, 2021	Deed of Trust, Mortgage · VA Mortgage OPPORTUNITY BANK OF MT
Apr 29, 2022	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
Sep 14, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage OPPORTUNITY BANK OF MT
Mar 27, 2018	Deed, Transfer FIRST MONTANA TITLE, FIRST MONTANA LAND TITLE
Mar 9, 2018	Warranty Deed, Transfer FIRST MONTANA LAND TITLE COMPANY, FIRST MONTANA LAND TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2022 · Amount on File
Deed Sale	Apr 29, 2022 · Amount on File
Prior Sale	Sep 14, 2018 · Amount on File
Deed Document Number	20223397612
Deed Book / Page	60 / 9704
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	2220 LORAC CT, HELENA, MT 59602-6857
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	FIRST MONTANA LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M58/6267
Date	Feb 1, 2021
Book Page	M58/6267
Instrument	3371996

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank
Address	HELENA, MT 59604

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Apr 29, 2022
Property Address	2220 LORAC CT, HELENA, MT 59602-6857
Document Number	00M60/9704
Book / Page	M60 / 9704
Map Reference	DOC 3315084
Instrument Date	Apr 28, 2022
Instrument	3397612
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	FIRST MONTANA TITLE, FIRST MONTANA LAND TITLE

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	2220 LORAC CT, HELENA, MT 59602-6857

Mortgage

Document Number	0003397613
Date	Apr 29, 2022
Instrument	3397613

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2037

September 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Sep 14, 2018
Property Address	2220 LORAC CT, HELENA, MT 59602-6857
Document Number	00M54/6943
Book / Page	M54 / 6943
Map Reference	DOC3315084
Instrument Date	Sep 14, 2018
Instrument	3327689
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 22, 2022
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
Relationship	Joint Tenants with Right of Survivorship
Address	2220 LORAC CT, HELENA, MT 59602-6857

Mortgage

Document Number	0003327691
Date	Sep 14, 2018
Instrument	3327691

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank

Agreement

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

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Mar 27, 2018
Property Address	2220 LORAC CT, HELENA, MT 59602-6857
Document Number	00M54/0161
Book / Page	M54 / 0161
Map Reference	DOC3315082
Instrument Date	Mar 16, 2018
Instrument	3319546
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	FIRST MONTANA TITLE, FIRST MONTANA LAND TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Mar 9, 2018
Property Address	2220 LORAC CT, HELENA, MT 59602-6857
Document Number	00M53/9483
Book / Page	M53 / 9483
Map Reference	DOC3315084
Instrument Date	Mar 8, 2018
Instrument	3318811
Transaction Type	Transfer
Record Updated	Aug 22, 2022
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	00000

Tax Assessment & Valuation

The 2026 property tax bill for 2220 Lorac Ct was $3,971.

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	$3,971.00	$746,700
2025			$746,700 Land $156,264 Building $590,436
2023	$5,805.00	$641,700	$641,700 Land $127,698 Building $514,002

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

Flood

FEMA maps place 2220 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 2220 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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