Missoula County property record for 317 E Spruce St, Missoula, MT 59802
| Property Type | Commercial |
|---|---|
| Details | 3 bd · 1.75 ba · 2,580 sqft · built 1906 |
| Lot Size | 0.104 acres (4,530 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Sep 2002) |
| Tax Bill | $10,092 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage Oct 2020 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R0453678 |
| Primary APN | R0453678 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,580 sqft Gross Area |
| 1st Floor Area | 1,110 sqft |
| Upper Floors Area | 1,110 sqft |
| Basement Area | 360 sqft |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 2009 |
| Construction Type | Wood |
| Lot Area | 4,530 sqft (0.104 acres) |
| Lot Dimensions | 130 ft deep x 35 ft wide |
| View / Lot | Neighborhood |
| Porch | Open Porch |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000835801 |
|---|---|
| Street Address | 317 E SPRUCE ST |
| City | MISSOULA |
| State | MT |
| Zip | 59802-4605 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | 1 |
| Legal Description | CP HIGGINS, S22, T13 N, R19 W, BLOCK K, LOT 2, W9 & E26 OF 3 |
| Legal Subdivision | CP HIGGINS |
| Legal Block | K |
| Legal Lot Number | 2 |
| Jurisdiction | MISSOULA MT |
| Township / Civil Division | MISSOULA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Missoula Downtown Historic District listed 2009 · 380 contributing resources · NRIS 07000647 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Missoula County records, as of September 15, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 7051, MISSOULA, MT 59807-7051 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 6, 2017 | Deed of Trust, Mortgage FIRST INTERSTATE BANK |
| Oct 19, 2020 | Loan Modification, Mortgage FIRST INTERSTATE BK |
| Oct 22, 2018 | Loan Modification, Mortgage FIRST INTERSTATE BK |
| Apr 10, 2018 | Loan Modification, Mortgage FIRST INTERSTATE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2002 · Amount on Record |
| Deed Sale | Sep 25, 2002 · Amount on Record |
| Deed Document Number | 200227560 |
| Deed Book / Page | 689 / 55 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 317 E SPRUCE ST, MISSOULA, MT 59802-4605 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0009881382 |
|---|---|
| Date | Nov 6, 2017 |
| Book Page | 988/1382 |
| Instrument | 201722524 |
| Name | FIRST INTERSTATE BANK |
|---|---|
| Type | Bank |
| Address | MISSOULA, MT 59806 |
| Amount | Amount Recorded |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 317 E SPRUCE ST, MISSOULA, MT 59802-4605 |
| Document Number | 0010420648 |
| Instrument Date | Oct 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 317 E SPRUCE ST MISSOULA MT 598024605, MISSOULA, MT 59802-4605 |
| Document Number | 0010420648 |
|---|---|
| Date | Oct 26, 2020 |
| Book Page | 001042/000648 |
| Instrument | 25818 |
| Name | FIRST INTERSTATE BK |
|---|---|
| Type | Bank |
| Address | MISSOULA, MT 59806-4667 |
| Term | 12 Months |
|---|---|
| Due | Oct 25, 2021 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 317 E SPRUCE ST, MISSOULA, MT 59802-4605 |
| Document Number | 0010041185 |
| Instrument Date | Oct 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 317 E SPRUCE ST MISSOULA MT 598024605, MISSOULA, MT 59802-4605 |
| Document Number | 0010041185 |
|---|---|
| Date | Oct 26, 2018 |
| Book Page | 001004/001185 |
| Instrument | 19169 |
| Name | FIRST INTERSTATE BK |
|---|---|
| Type | Bank |
| Address | MISSOULA, MT 59806-4667 |
| Term | 24 Months |
|---|---|
| Due | Oct 25, 2020 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 317 E SPRUCE ST, MISSOULA, MT 59802-4605 |
| Document Number | 0009950346 |
| Instrument Date | Apr 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 317 E SPRUCE ST MISSOULA MT 598024605, MISSOULA, MT 59802-4605 |
| Document Number | 0009950346 |
|---|---|
| Date | Apr 13, 2018 |
| Book Page | 000995/000346 |
| Instrument | 5730 |
| Name | FIRST INTERSTATE BK |
|---|---|
| Type | Bank |
| Address | MISSOULA, MT 59806-4667 |
| Term | 60 Months |
|---|---|
| Due | Apr 12, 2023 |
Source: Missoula County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Missoula County |
| Municipality | Missoula City |
| Secondary School District | Missoula High School District (09 - 12) |
| Elementary School District | Missoula Elementary School District (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $616,500 (-) Land $247,975 Building $368,525 | $616,500 (-) Land $247,975 Building $368,525 | |
| 2025 | $10,092.00 (+16.23%) | $616,500 (+18.72%) | $616,500 (+18.72%) Land $247,975 Building $368,525 |
| 2023 | $8,683.00 | $519,300 | $519,300 Land $253,273 Building $266,027 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 9, 2024 · 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 88% of Montana |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MISSOULA WATER serves 68,200 people · EPA ID MT0000294 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 260 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| CIS Fixed Wireless | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Blackfoot Telephone Cooperative, Western Montana CommunityTel.
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