306 S Walnut St, Plains, MT 59859 Property Records

Sanders County property record for 306 S Walnut St, Plains, MT 59859

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,860 sqft · built 1910
Lot Size	0.278 acres (12,110 sqft)
Owner	Individual Name on File
Tax Bill	$279 (2026)
Deeds & Mortgages	Mar 2017 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R35366`

Property Details

APN / Parcel Number

Primary APN	`R35366`
Alternative APNs	`35-2979-27-4-35-54-0000` `0000000089`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,860 sqft Living Area
1st Floor Area	1,550 sqft
Attic	Attic
Attic Area	310 sqft
Basement Area	275 sqft
Unfinished Basement	275 sqft
Family Room	Family Room

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	12,110 sqft (0.278 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Shed	1 Shed
Shed Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000000089
Street Address	306 S WALNUT ST
City	PLAINS
State	MT
Zip	59859-7788
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCGOWAN SECOND ADD (PLAINS), S27, T20 N, R26 W, BLOCK 00D, LOT 005, PLAT Y
Legal Range	26W
Legal Township	20N
Legal Section	27
Legal Subdivision	MCGOWAN SECOND ADD (PLAINS)
Legal Block	D
Legal Lot Number	5
Jurisdiction	SANDERS MT
Township / Civil Division	PLAINS
Census Block Group	2
Census Block	2122
Census Tract	100

Owner

306 S Walnut St 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	PO BOX 624, PLAINS, MT 59859-0624
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDERS MT
Property Address	306 S WALNUT ST, PLAINS, MT 59859-7788
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1/87351
Date	Mar 6, 2017
Book Page	1/87351
Instrument	305533

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	855 Months
Due	Jun 27, 2088

Interest

Rate Type	Adjustable Rate
Rate	4.57%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR
Margin	2
Max Rate	5%

Tax Assessment & Valuation

The 2026 property tax bill for 306 S Walnut St was $279 with a homeowner's exemption, down 38.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Montana
County	Sanders County
Municipality	Plains Town
Unified School District	Plains K-12 Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$279.00 (-38.55%) Homeowner's exemption	$249,300 (-)
2025	$454.00	$249,300	$249,300 Land $80,729 Building $168,571
2023	$535.00	$202,800	$202,800 Land $37,560 Building $165,240

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

Flood

FEMA maps place 306 S Walnut St 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	Severe Storms And Flooding, Jul 2011 · 2 claims Severe Storms,ice Jams, Snow Melt, Flooding, Jun 1997 · 4 claims

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 306 S Walnut St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Montana
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF PLAINS serves 1,700 people · EPA ID MT0000305
Water Source	Groundwater
Last State Inspection	Apr 2026
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 251 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