Sanders County property record for 228 Ferry St, Thompson Falls, MT 59873
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,340 sqft · built 1924 |
| Lot Size | 0.479 acres (20,865 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,371 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit Sep 2019 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R356396 |
| Primary APN | R356396 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,340 sqft Living Area |
| 1st Floor Area | 1,340 sqft |
| Basement Area | 280 sqft |
| Unfinished Basement | 280 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 20,865 sqft (0.479 acres) |
| Lot Dimensions | 148 ft deep x 141 ft wide |
| Garage Type | Detached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 88 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 0000003740 |
|---|---|
| Street Address | 228 N FERRY ST |
| City | THOMPSON FALLS |
| State | MT |
| Zip | 59873-9354 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THOMPSON FALLS ORIG TOWNSITE, S08, T21 N, R29 W, BLOCK 034, LOT 024, LOTS 24-28 |
| Legal Range | 29W |
| Legal Township | 21N |
| Legal Section | 08 |
| Legal Subdivision | THOMPSON FALLS ORIG TOWNSITE |
| Legal Block | 34 |
| Legal Lot Number | 24-28 |
| Jurisdiction | SANDERS MT |
| Township / Civil Division | THOMPSON FALLS-WEST END |
| Census Block Group | 2 |
| Census Block | 2076 |
| Census Tract | 202 |
228 Ferry St, a single family home, is owned by two individuals.
Source: Sanders County records, as of September 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 2542, THOMPSON FALLS, MT 59873-2542 |
| 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.
| Date | Document |
|---|---|
| Sep 6, 2022 | Deed of Trust, Mortgage · Line of Credit WHITEFISH CU |
| Sep 27, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Mar 29, 2021 | Deed of Trust, Mortgage · Line of Credit WHITEFISH CU |
| Jun 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANDERS MT |
| Property Address | 228 FERRY ST, THOMPSON FALLS, MT 59873-9354 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000327285 |
|---|---|
| Date | Sep 6, 2022 |
| Instrument | 327285 |
| Name | WHITEFISH CU |
|---|---|
| Type | Credit Union |
| Address | WHITEFISH, MT 59937 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 27, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANDERS MT |
| Property Address | 228 FERRY ST, THOMPSON FALLS, MT 59873-9354 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 314286 |
|---|---|
| Date | Sep 27, 2019 |
| Instrument | 314286 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANDERS MT |
| Property Address | 228 FERRY ST, THOMPSON FALLS, MT 59873-9354 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2021 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 320657 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 320657 |
| Name | WHITEFISH CU |
|---|---|
| Type | Credit Union |
| Address | WHITEFISH, MT 59937 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 30, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANDERS MT |
| Property Address | 228 FERRY ST, THOMPSON FALLS, MT 59873-9354 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 321952 |
|---|---|
| Date | Jun 22, 2021 |
| Instrument | 321952 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Mar 1, 2051 |
The 2026 property tax bill for 228 Ferry St was $1,371, down 25.8% from the year before.
Source: Sanders County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Sanders County |
| Municipality | Thompson Falls City |
| Elementary School District | Thompson Falls Elementary School District (PK - 08) |
| Secondary School District | Thompson Falls High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,371.00 (-25.77%) | $246,700 (-) | |
| 2025 | $1,847.00 | $246,700 | $246,700 Land $81,259 Building $165,441 |
| 2023 | $2,636.00 | $253,100 | $253,100 Land $49,562 Building $203,538 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 228 Ferry St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 14, 2019
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 228 Ferry St is low, with a 0.04% annual chance of wildfire.
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 | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | CITY OF THOMPSON FALLS serves 1,950 people · EPA ID MT0000341 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 216 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Blackfoot Telephone Cooperative Fiber | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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