3 Finley Gulch Rd, Lonepine, MT 59848 Property Records

Sanders County property record for 3 Finley Gulch Rd, Lonepine, MT 59848

Property Summary

Property Type	Agricultural Vacant Land
Lot Size	159 acres (6,959,581 sqft)
Owner	2 Individual Names on File
Last Sale	$771,400 (May 2026)
Tax Bill	$238 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Dec 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R3523755`

Property Details

APN / Parcel Number

Primary APN	`R3523755`
Alternative APNs	`35-3345-33-2-01-01-0000` `0000019456`

Exterior

Lot Area	6,959,581 sqft (159 acres)
Terrain	Wooded

Location & Zoning

Account Number	0000019456
Street Address	3 FINLEY GULCH RD
City	LONEPINE
State	MT
Zip	59848-8701
Property Category	Agriculture or Farming
Property Type	Vacant Land > Agricultural
Legal Description	S33, T23 N, R24 W, C.O.S. 4016, PARCEL C, ACRES 159.77, PLAT PP W2NE, NW
Legal Range	24W
Legal Township	23N
Legal Section	33
Jurisdiction	SANDERS MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	2
Census Block	2052
Census Tract	940300

Owner

3 Finley Gulch Rd, agricultural vacant land, is owned and occupied by two individuals who bought it in May 2026.

Source: Sanders County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 FINLEY GULCH RD, LONEPINE, MT 59848-8701
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 4, 2026	Warranty Deed, Transfer · Conventional Mortgage THREE RIVERS BANK/MONTANA
Dec 30, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST SECURITY BANK OF MISSOULA
Dec 30, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST SECURITY BANK OF MISSOULA
Aug 4, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST SECURITY BANK OF MISSOULA
Jan 15, 2021	Intrafamily Transfer, Transfer · Line of Credit FIRST SECURITY BANK OF MISSOULA
Mar 13, 2018	Deed of Trust, Mortgage FIRST SECURITY SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2026 · Amount on File
Deed Sale	May 4, 2026 · Amount on File
Prior Sale	Jul 2, 2021
Deed Document Number	2026340137
Prior Transfer Date	May 1, 2026
Prior Transfer Doc	0000340137
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANDERS MT
Recording Date	May 4, 2026
Property Address	3 FINLEY GULCH RD, LONEPINE, MT 59848-8701
Document Number	0000340137
Instrument Date	May 1, 2026
Instrument	2026.340137
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	FLYING S TITLE AND ESCROW OF M

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3 FINLEY GULCH RD, LONEPINE, MT 59848-8701

Mortgage

Document Number	0000340138,
Date	May 4, 2026
Instrument	2026.340138

Lender

Name	THREE RIVERS BANK/MONTANA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 4, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDERS MT
Property Address	3 FINLEY GULCH RD, LONEPINE, MT 59848-8701
Transaction Type	Mortgage
Record Updated	Jan 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 FINLEY GULCH RD, LONEPINE, MT 59848-8701

Mortgage

Document Number	0000324391
Date	Dec 30, 2021
Instrument	324391

Lender

Name	FIRST SECURITY BANK OF MISSOULA
Type	Bank
Address	THOMPSON FALLS, MT 59873

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDERS MT
Property Address	3 FINLEY GULCH RD, LONEPINE, MT 59848-8701
Transaction Type	Mortgage
Record Updated	Jan 26, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 FINLEY GULCH RD, LONEPINE, MT 59848-8701

Mortgage

Document Number	0000324390
Date	Dec 30, 2021
Instrument	324390

Lender

Name	FIRST SECURITY BANK OF MISSOULA
Type	Bank
Address	69873

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDERS MT
Property Address	3 FINLEY GULCH RD, LONEPINE, MT 59848-8701
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 FINLEY GULCH RD, LONEPINE, MT 59848-8701

Mortgage

Document Number	322626
Date	Aug 4, 2021
Instrument	322626

Lender

Name	FIRST SECURITY BANK OF MISSOULA
Type	Bank
Address	THOMPSON FALLS, MT 59873

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANDERS MT
Recording Date	Jan 15, 2021
Property Address	3 FINLEY GULCH RD, LONEPINE, MT 59848-8701
Document Number	319727
Instrument Date	Jan 14, 2021
Instrument	319727
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	LAKE COUNTY LAND TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28 FINLEY GULCH RD, 28, LONEPINE, MT 59848-8701

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3 FINLEY GULCH RD, LONEPINE, MT 59848-8701

Mortgage

Document Number	319728
Date	Jan 15, 2021
Instrument	319728

Lender

Name	FIRST SECURITY BANK OF MISSOULA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Mortgage

Document Number	319730
Date	Jan 15, 2021
Instrument	319730

Lender

Name	FIRST SECURITY BANK OF MISSOULA
Type	Bank
Address	THOMPSON FALLS, MT 59873

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDERS MT
Property Address	3 FINLEY GULCH RD, LONEPINE, MT 59848-8701
Transaction Type	Mortgage
Record Updated	Apr 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030912/0000090058
Date	Mar 13, 2018
Book Page	0000030912/0000090058

Lender

Name	FIRST SECURITY SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 3 Finley Gulch Rd was $238, up 33% from the year before.

Source: Sanders County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Sanders County
Unified School District	Hot Springs K-12 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$238.00 (+32.96%)	$18,130 (+24%)
2025	$179.00	$14,621	$18,130 Land $18,130
2023	$194.00	$13,913	$13,913 Land $13,913

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3 Finley Gulch Rd in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
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 3 Finley Gulch Rd is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 54% of Montana
Wildfire Likelihood	0.3% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Hot Springs Telephone Fixed Wireless	100 / 50

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