303 Hammer Cutoff Rd, Libby, MT 59923 Property Records

Lincoln County property record for 303 Hammer Cutoff Rd, Libby, MT 59923

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,232 sqft · built 2014
Lot Size	35.7 acres (1,556,399 sqft)
Owner	Company Name on File
Tax Bill	$3,391 (2026)
Deeds & Mortgages	Dec 2017 Mortgage Dec 2020 Mortgage + 1 more
APN	`R562560`

Property Details

APN / Parcel Number

Primary APN	`R562560`
Alternative APNs	`56-4069-19-1-02-08-0000` `0000002229`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	1,556,399 sqft (35.7 acres)
Terrain	Wooded
Garage Type	Detached
Garage Area	1,660 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	280 sqft
Deck Area	208 sqft
Shed	1 Shed
Shed Area	192 sqft
Pole Barn	312 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000002229
Street Address	303 HAMMER CUTOFF RD
City	LIBBY
State	MT
Zip	59923-7645
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	S19, T29 N, R30 W, C.O.S. 3446, PARCEL A IN NW, ACRES 35.73
Legal Range	30W
Legal Township	29N
Legal Section	19
Jurisdiction	LINCOLN MT
Township / Civil Division	LIBBY
Census Block Group	1
Census Block	1221
Census Tract	100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	PO BOX 449, LIBBY, MT 59923-0449
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2017	Deed of Trust, Mortgage · VA Mortgage GLACIER BANK
Dec 14, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 16, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2024
Deed Sale	Dec 10, 2024
Prior Sale	Dec 3, 2024
Deed Document Number	2024313385
Deed Book / Page	408 / 311
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Property Address	303 HAMMER CUTOFF RD, LIBBY, MT 59923-7645
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000370/565
Date	Dec 26, 2017
Book Page	370/565
Instrument	272128

Lender

Name	GLACIER BANK
Type	Bank
Address	KALISPELL, MT 59901

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Property Address	303 HAMMER CUTOFF RD, LIBBY, MT 59923-7645
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000386/600
Date	Dec 14, 2020
Book Page	386/600
Instrument	289889

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	326 Months
Due	Feb 1, 2048

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Property Address	303 HAMMER CUTOFF RD, LIBBY, MT 59923-7645
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000392/389
Date	Sep 16, 2021
Book Page	392/389
Instrument	295991

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Montana
County	Lincoln County
Unified School District	Libby K-12 Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,391.00 (+163.69%)	$370,810 (-)
2025	$1,286.00 (-44.78%)	$370,810 (+18.49%)	$370,810 (+18.49%) Land $71,710 Building $299,100
2023	$2,329.00	$312,953	$312,953 Land $50,813 Building $262,140

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Mar 1996 · river or lake flooding

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	High above 70% of the US · above 50% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Inland Cellular Fixed Wireless	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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