245 Chad Rd, Helena, MT 59602 Property Records

Lewis And Clark County property record for 245 Chad Rd, Helena, MT 59602

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 1,244 sqft · built 2004
Lot Size	1.09 acres (47,829 sqft)
Owner	Individual Name on Record
Tax Bill	$4,127 (2023)
Deeds & Mortgages	Oct 2022 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0535646`

Property Details

APN / Parcel Number

Primary APN	`R0535646`
Alternative APNs	`05-1994-24-4-07-18-0000` `0000038164`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,244 sqft Living Area
1st Floor Area	1,244 sqft
Basement Area	1,092 sqft
Finished Basement	1,092 sqft

Exterior

Year Built	Built 2004
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,829 sqft (1.09 acres)
Terrain	Wooded
Parking Spaces	3 Parking Spaces
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000038164
Street Address	245 CHAD RD
City	HELENA
State	MT
Zip	59602-7964
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	ROSEMARY ACRES MINOR SUBD, S24, T11 N, R04 W, LOT A1-15, COS #3066964
Legal Subdivision	ROSEMARY ACRES MINOR SUBD
Jurisdiction	LEWIS AND CLARK MT
Township / Civil Division	HELENA
Census Block Group	1
Census Block	1017
Census Tract	501

Owner

Source: Lewis And Clark County records, as of August 9, 2023

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
Co-owner	Co-owner on Record
Mailing Address	245 CHAD RD, HELENA, MT 59602-7964
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage OPPORTUNITY BANK OF MT
Sep 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage OPPORTUNITY BANK OF MT
Aug 26, 2019	Warranty Deed, Transfer · FHA Mortgage OPPORTUNITY BANK OF MT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2019
Deed Sale	Aug 26, 2019
Deed Document Number	3341789
Deed Book / Page	M55 / 9183
Record Updated	Jun 7, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	245 CHAD RD, HELENA, MT 59602-7964
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	FIRST MONTANA LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M61/5801
Date	Oct 6, 2022
Book Page	M61/5801
Instrument	3404738

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 30, 2037

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	245 CHAD RD, HELENA, MT 59602-7964
Transaction Type	Mortgage
Record Updated	Oct 4, 2021
Title Company	FIRST MONTANA TITLE, FIRST MONTANA LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M59/9602
Date	Sep 24, 2021
Book Page	M59/9602
Instrument	3386611

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Aug 26, 2019
Property Address	245 CHAD RD, HELENA, MT 59602-7964
Document Number	M55/9183
Book / Page	M55 / 9183
Map Reference	DOC 3066964
Instrument Date	Aug 26, 2019
Instrument	3341789
Transaction Type	Transfer
Record Updated	Aug 12, 2021
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	245 CHAD RD, HELENA, MT 59602-7964

Mortgage

Document Number	3341790
Date	Aug 26, 2019
Instrument	3341790

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Lewis And Clark County assessment roll, as of December 31, 2022

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
2023	$4,127.00	$443,700	$443,700 Land $126,357 Building $317,343

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 7, 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
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2011)
Most Recent Claim	Sep 2011 · 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

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	0.02% 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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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