315 Castner Falls Rd, Cascade, MT 59421 Property Records

Cascade County property record for 315 Castner Falls Rd, Cascade, MT 59421

Property Summary

Property Type	Rural Home
Details	5 bd · 4.5 ba · 4,558 sqft · built 2020
Lot Size	27.5 acres (1,201,211 sqft)
Owner	2 Individual Names on Record
Last Sale	$143,000 (Dec 2019)
Tax Bill	$4,853 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Aug 2023 Mortgage + 4 more
Flood Zone	Zone A (high risk)
APN	`R639989`

Property Details

APN / Parcel Number

Primary APN	`R639989`
Alternative APNs	`02-2775-32-2-02-01-0000` `0003322410`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,558 sqft Living Area
1st Floor Area	2,316 sqft
2nd Floor Area	2,242 sqft
Basement Area	2,284 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	1,201,211 sqft (27.5 acres)
Terrain	Wooded
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0003322410
Street Address	315 CASTNER FALLS RD
City	CASCADE
State	MT
Zip	59421-8105
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	S32, T18 N, R01 E, TR 1, COS #4693, IN NW, MK 7A
Legal Range	01E
Legal Township	18N
Legal Section	32
Legal Subdivision	CERTIFICATE OF SURVEY #S-0004693
Legal Tract	1
Jurisdiction	CASCADE MT
Township / Civil Division	CASCADE
Census Block Group	3
Census Block	3015
Census Tract	10400

Owner

Source: Cascade County records, as of September 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	315 CASTNER FALLS RD, CASCADE, MT 59421-8105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · Line of Credit OPPORTUNITY BANK OF MT
Aug 2, 2023	Deed of Trust, Mortgage · Closed-End Mortgage BELT VALLEY BANK
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage OPPORTUNITY BANK OF MT
Nov 30, 2020	Loan Modification, Mortgage · Line of Credit BELT VLY BK
Jun 15, 2020	Deed of Trust, Construction Loan · Line of Credit BELT VLY BK
Dec 2, 2019	Warranty Deed, Transfer · Line of Credit OPPORTUNITY BK/MT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2019 · Amount on Record
Deed Sale	Dec 2, 2019 · Amount on Record
Prior Sale	Dec 15, 2015
Deed Document Number	2019380130
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASCADE MT
Property Address	315 CASTNER FALLS RD, CASCADE, MT 59421-8105
Transaction Type	Mortgage
Record Updated	Feb 11, 2026
Title Company	UNKNOWN, FLYING S TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00R0478770
Date	Jan 28, 2026
Instrument	R0478770

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 21, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASCADE MT
Property Address	315 CASTNER FALLS RD, CASCADE, MT 59421-8105
Transaction Type	Mortgage
Record Updated	Sep 6, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 CASTNER FALLS RD, CASCADE, MT 59421-8105

Mortgage

Document Number	00R0446612
Date	Aug 2, 2023
Instrument	R0446612

Lender

Name	BELT VALLEY BANK
Type	Bank
Address	BELT, MT 59412

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 26, 2028

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASCADE MT
Property Address	315 CASTNER FALLS RD, CASCADE, MT 59421-8105
Transaction Type	Mortgage
Record Updated	Oct 18, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00R0418876
Date	Oct 6, 2021
Instrument	R0418876

Lender

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

Agreement

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

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CASCADE MT
Property Address	315 CASTNER FALLS RD, CASCADE, MT 59421-8105
Document Number	0000401040
Instrument Date	Nov 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 WILLINGTON LN CASCADE MT 594218219, CASCADE, MT 59421-8219

Mortgage

Document Number	0000401040
Date	Dec 22, 2020
Instrument	401040

Lender

Name	BELT VLY BK
Type	Bank
Address	BELT, MT 59412

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 21, 2021

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CASCADE MT
Recording Date	Jun 15, 2020
Property Address	315 CASTNER FALLS RD, CASCADE, MT 59421-8105
Document Number	0000389354
Instrument Date	Jun 12, 2020
Instrument	389354
Transaction Type	Construction Loan
Record Updated	Apr 16, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 WILLINGTON LN CASCADE MT 594218219, CASCADE, MT 59421-8219

Mortgage

Document Number	0000389354
Date	Jun 15, 2020
Instrument	389354

Lender

Name	BELT VLY BK
Type	Bank
Address	BELT, MT 59412

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jun 14, 2021

Interest

Rate Type	Adjustable Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASCADE MT
Recording Date	Dec 2, 2019
Property Address	315 CASTNER FALLS RD, CASCADE, MT 59421-8105
Document Number	0000380130
Instrument Date	Dec 2, 2019
Instrument	380130
Transaction Type	Transfer
Record Updated	Dec 16, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO 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 with Right of Survivorship
Address	41 WILLINGTON LN CASCADE MT 594218219, CASCADE, MT 59421-8219

Mortgage

Document Number	380131
Date	Dec 2, 2019
Instrument	380131

Lender

Name	OPPORTUNITY BK/MT
Address	HELENA, MT 59604

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cascade County assessment roll, as of September 3, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Cascade County
Elementary School District	Cascade Elementary School District (PK - 08)
Secondary School District	Cascade High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,853.00 (-10.2%)	$1,006,205 (-)
2025	$5,404.00 (-0.48%)	$1,006,205 (+22.97%)	$1,006,205 (+22.97%) Land $62,615 Building $943,590
2023	$5,430.00	$818,284	$818,284 Land $54,064 Building $764,220

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 November 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 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

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

Wildfire Risk	Moderate above 51% of the US · lower than 73% of Montana
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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