Ravalli County property record for 231 Merganser Ln, Hamilton, MT 59840
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,691 sqft · built 1998 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $322,304 (Apr 2020) |
| Tax Bill | $1,761 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit |
| Flood Zone | Zone D (undetermined) |
| APN | R1337320 |
| Primary APN | R1337320 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,691 sqft Living Area |
| 1st Floor Area | 1,556 sqft |
| Attic | Attic |
| Attic Area | 135 sqft |
| Family Room | Family Room |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 206 sqft |
| Deck Area | 160 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000718706 |
|---|---|
| Street Address | 231 MERGANSER LN |
| City | HAMILTON |
| State | MT |
| Zip | 59840-3417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | RIDGEMONT ESTATES, S32, T06 N, R20 W, LOT 007, 20038 SQUARE FEET |
| Legal Range | 20W |
| Legal Township | 06N |
| Legal Section | 32 |
| Legal Subdivision | RIDGEMONT ESTATES |
| Legal Lot Number | 7 |
| Jurisdiction | RAVALLI MT |
| Township / Civil Division | HAMILTON |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 601 |
Source: Ravalli County records, as of March 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 231 MERGANSER LN, HAMILTON, MT 59840-3417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2020 · Amount on Record |
| Deed Sale | Apr 10, 2020 · Amount on Record |
| Prior Sale | Sep 16, 2009 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAVALLI MT |
| Property Address | 231 MERGANSER LN, HAMILTON, MT 59840-3417 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2023 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 231 MERGANSER LN, HAMILTON, MT 59840-3417 |
| Document Number | 0000790258 |
|---|---|
| Date | Sep 14, 2023 |
| Instrument | 790258 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jun 20, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Ravalli County assessment roll, as of September 19, 2025
| Type | Name |
|---|---|
| State | Montana |
| County | Ravalli County |
| Unified School District | Hamilton K-12 Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,761.00 (-29.78%) | $503,400 (+29.61%) | $503,400 (+29.61%) Land $175,457 Building $327,943 |
| 2023 | $2,508.00 | $388,400 | $388,400 Land $89,818 Building $298,582 |
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 November 16, 2022 · 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 Policies | 1 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 | Moderate above 51% of the US · lower than 73% of Montana |
|---|---|
| Wildfire Likelihood | 0.1% 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 | DALY ESTATES SUBDIVISION private · serves 123 people · EPA ID MT0004517 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2022–2024) 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 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Grizzly Broadband Fixed Wireless · Fiber in parts of the area | 1,000 / 1,000 |
| Rocky Mountain Internet Fixed Wireless | 350 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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