23508 Messina Dr, Bonner, MT 59823 Property Records

Missoula County property record for 23508 Messina Dr, Bonner, MT 59823

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,195 sqft · built 2005
Lot Size	3.58 acres (156,380 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,921 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R0483897`

Property Details

APN / Parcel Number

Primary APN	`R0483897`
Alternative APNs	`04-2203-06-2-02-10-0000` `0004028502`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,195 sqft Living Area
Gross Area	3,611 sqft
1st Floor Area	1,416 sqft
Attic	Attic
Attic Area	779 sqft
Basement Area	1,416 sqft
Family Room	Family Room

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	156,380 sqft
Terrain	Above Road/Slope
View / Lot	Rural
Garage Type	Detached
Garage Area	1,024 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	256 sqft
Deck Area	64 sqft
Lean-To	81 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	0004028502
Street Address	23508 MESSINA DR
City	BONNER
State	MT
Zip	59823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S06, T13 N, R16 W, C.O.S. 5754, PARCEL 1A, IN NE4
Legal Range	16W
Legal Township	13N
Legal Section	06
Legal Subdivision	CERTIFICATE/SURV 5754 01A
Legal Tract	1A
Legal Block	3
Legal Lot Number	1A
Jurisdiction	MISSOULA MT
Township / Civil Division	SEELEY LAKE-BLACKFOOT VALLEY
Census Block Group	3
Census Block	3143
Census Tract	1802

Owner

23508 Messina Dr is owned by two individuals who acquired it in October 2005.

Source: Missoula County records, as of September 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 486, BONNER, MT 59823-0486
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
Jan 11, 2021	Deed of Trust, Mortgage · Line of Credit OPPORTUNITY BANK OF MT
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage OPPORTUNITY BANK OF MT
Nov 22, 2017	Grant Deed, Transfer · FHA Mortgage OPPORTUNITY BK/MT
Sep 5, 2017	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 4, 2005
Transfer Doc	0000026413
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MISSOULA MT
Property Address	23508 MESSINA DR, BONNER, MT 59823
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PIONEER TTL CANYON CALDWELL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010470726
Date	Jan 11, 2021
Book Page	1047/726
Instrument	202100996

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MISSOULA MT
Property Address	23508 MESSINA DR, BONNER, MT 59823
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010431272
Date	Nov 17, 2020
Book Page	1043/1272
Instrument	202027842

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MISSOULA MT
Recording Date	Nov 22, 2017
Property Address	23508 MESSINA DR, BONNER, MT 59823
Document Number	0009891034
Book / Page	000989 / 001034
Instrument Date	Nov 17, 2017
Instrument	23576
Transaction Type	Transfer
Record Updated	Dec 7, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	23508 MESSINA DR BONNER MT 59823, BONNER, MT 59823

Mortgage

Document Number	9891035
Date	Nov 22, 2017
Book Page	000989/001035
Instrument	23577

Lender

Name	OPPORTUNITY BK/MT
Address	HELENA, MT 59604

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 21, 2047

September 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MISSOULA MT
Recording Date	Sep 5, 2017
Property Address	23508 MESSINA DR, BONNER, MT 59823
Document Number	0009860006
Book / Page	000986 / 000006
Instrument Date	Sep 2, 2017
Instrument	18348
Transaction Type	Transfer
Record Updated	Oct 9, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Estate

Tax Assessment & Valuation

The 2025 property tax bill for 23508 Messina Dr was $3,921.

Source: Missoula County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Missoula County
Secondary School District	Missoula High School District (09 - 12)
Elementary School District	Potomac Elementary School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$700,000 (-) Land $136,948 Building $563,052	$700,000 (-) Land $136,948 Building $563,052
2025	$3,921.00	$700,000	$700,000 Land $136,948 Building $563,052
2023	$4,630.00	$618,900	$618,900 Land $96,895 Building $522,005

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

Flood

FEMA maps place 23508 Messina Dr in Zone X, an area of minimal flood risk.

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	3 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.

Wildfire

Wildfire risk around 23508 Messina Dr is high, ranking above 85% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 85% of the US · above 79% of Montana
Wildfire Likelihood	0.7% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Blackfoot Telephone Cooperative DSL	10 / 1

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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