Sanders County property record for 281 River Rd W, Plains, MT 59859
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1973 |
| Lot Size | 2.39 acres (104,108 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,142 (2026) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R352118 |
| Primary APN | R352118 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Basement Area | 1,344 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 104,108 sqft (2.39 acres) |
| Garage Type | Mixed |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 280 sqft |
| Shed | 1 Shed |
| Shed Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000001791 |
|---|---|
| Street Address | 281 RIVER RD W |
| City | PLAINS |
| State | MT |
| Zip | 59859-9350 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | S29, T20 N, R26 W, ACRES 2.39, PLAT LL NESW |
| Legal Range | 26W |
| Legal Township | 20N |
| Legal Section | 29 |
| Jurisdiction | SANDERS MT |
| Township / Civil Division | PLAINS |
| Census Block Group | 2 |
| Census Block | 2058 |
| Census Tract | 100 |
281 River Rd W, a mobile home, is owned and occupied by an individual.
Source: Sanders County records, as of September 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 281 RIVER RD W, PLAINS, MT 59859-9350 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANDERS MT |
| Property Address | 281 RIVER RD W, PLAINS, MT 59859-9350 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 317909 |
|---|---|
| Date | Aug 31, 2020 |
| Instrument | 317909 |
| Name | VALLEY BANK OF RONAN |
|---|---|
| Type | Bank |
| Address | RONAN, MT 59864 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Sep 1, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Sep 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 6.75% |
| Index | Prime Rate |
| Max Rate | 10.7% |
The 2026 property tax bill for 281 River Rd W was $1,142, down 16.9% from the year before.
Source: Sanders County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Sanders County |
| Unified School District | Plains K-12 Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,142.00 (-16.89%) | $302,684 (-) | |
| 2025 | $1,374.00 | $302,684 | $302,684 Land $80,894 Building $221,790 |
| 2023 | $1,714.00 | $250,869 | $250,869 Land $64,549 Building $186,320 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 281 River Rd W in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 14, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 6 (1997–2011) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Jul 2011 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 281 River Rd W is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · above 40% of Montana |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Blackfoot Telephone Cooperative Fiber | 1,000 / 500 |
| T-Mobile Fixed Wireless | 100 / 20 |
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