Missoula County property record for 224 E Spruce St, Missoula, MT 59802
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,418 sqft · built 1910 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $201,900 (Oct 2013) |
| Tax Bill | $3,182 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jul 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R0464011 |
| Primary APN | R0464011 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,418 sqft Living Area |
| Gross Area | 1,490 sqft |
| 1st Floor Area | 826 sqft |
| 2nd Floor Area | 592 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,920 sqft (0.09 acres) |
| Lot Dimensions | 130 ft deep x 30 ft wide |
| View / Lot | Neighborhood |
| Garage Area | 288 sqft |
| Porch | Enclosed Frame Porch |
| Porch Area | 162 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Floor/Wall Furnace |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0001723709 |
|---|---|
| Street Address | 224 E SPRUCE ST |
| City | MISSOULA |
| State | MT |
| Zip | 59802-4502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Description | CP HIGGINS, S22, T13 N, R19 W, BLOCK O, LOT 17 |
| Legal Range | 19W |
| Legal Township | 13N |
| Legal Section | 22 |
| Legal Subdivision | CP HIGGINS |
| Legal Block | O |
| Legal Lot Number | 17 |
| Jurisdiction | MISSOULA MT |
| Township / Civil Division | MISSOULA |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Missoula Downtown Historic District listed 2009 · 380 contributing resources · NRIS 07000647 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | PO BOX 8755, MISSOULA, MT 59807-8755 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 5, 2026 | Deed of Trust, Mortgage · Line of Credit OPPORTUNITY BANK/MT |
| Jul 6, 2021 | Deed of Trust, Mortgage · Line of Credit MONTANA CMNTY DEVELOPMENT CORP |
| Jun 9, 2017 | Deed of Trust, Mortgage OPPORTUNITY BK/MT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 25, 2013 · Amount on Record |
| Deed Sale | Oct 25, 2013 · Amount on Record |
| Deed Document Number | 201321003 |
| Deed Book / Page | 921 / 369 |
| Prior Transfer Date | Oct 31, 1980 |
| Prior Transfer Doc | 0007590383 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Recording Date | Jun 5, 2026 |
| Property Address | 224 E SPRUCE ST, MISSOULA, MT 59802-4502 |
| Document Number | 0000008305 |
| Book / Page | 1129 / 168 |
| Instrument Date | Jun 5, 2026 |
| Instrument | 20268305 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 728 VINE ST, MISSOULA, MT 59802-3718 |
| Document Number | 0000008305, |
|---|---|
| Date | Jun 5, 2026 |
| Book Page | 1129/168 |
| Instrument | 20268305 |
| Name | OPPORTUNITY BANK/MT |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 224 E SPRUCE ST, MISSOULA, MT 59802-4502 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Title Company | INSURED TITLE, INSURED TITLES LLC |
| Name | Verified Name |
|---|
| Document Number | 0010581052 |
|---|---|
| Date | Jul 6, 2021 |
| Book Page | 1058/1052 |
| Instrument | 202116722 |
| Name | MONTANA CMNTY DEVELOPMENT CORP |
|---|---|
| Type | Non-Lending Institution |
| Address | MISSOULA, MT 59802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 224 E SPRUCE ST, MISSOULA, MT 59802-4502 |
| Document Number | 0009791342 |
| Book / Page | 000979 / 001342 |
| Instrument Date | Jun 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2017 |
| Title Company | INSURED TITLE |
| Name | Verified Name |
|---|---|
| Address | 224 E SPRUCE ST MISSOULA MT 598024502, MISSOULA, MT 59802-4502 |
| Document Number | 0009791342 |
|---|---|
| Date | Jun 9, 2017 |
| Book Page | 000979/001342 |
| Instrument | 9884 |
| Name | OPPORTUNITY BK/MT |
|---|---|
| Address | HELENA, MT 59604 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jun 8, 2032 |
Source: Missoula County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Missoula County |
| Municipality | Missoula City |
| Secondary School District | Missoula High School District (09 - 12) |
| Elementary School District | Missoula Elementary School District (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $399,180 (-) Land $161,460 Building $237,720 | $399,180 (-) Land $161,460 Building $237,720 | |
| 2025 | $3,182.00 (-24%) | $399,180 (+20.93%) Land $161,460 Building $237,720 | $399,180 (+20.93%) Land $161,460 Building $237,720 |
| 2024 | $4,187.00 (+6.03%) | ||
| 2023 | $3,949.00 | $330,095 | $330,095 Land $133,185 Building $196,910 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 88% of Montana |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MISSOULA WATER serves 68,200 people · EPA ID MT0000294 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 260 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| CIS Fixed Wireless | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Blackfoot Telephone Cooperative, Western Montana CommunityTel.
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