318 E Central Ave, Missoula, MT 59801 Property Records

Missoula County property record for 318 E Central Ave, Missoula, MT 59801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,538 sqft · built 1929
Lot Size	0.124 acres (5,401 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,199 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0453646`

Property Details

APN / Parcel Number

Primary APN	`R0453646`
Alternative APNs	`04-2200-27-3-15-02-0000` `0000833605` `0833605`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,538 sqft Living Area
Gross Area	1,852 sqft
1st Floor Area	908 sqft
Basement Area	728 sqft
Finished Basement	630 sqft
Unfinished Basement	98 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,401 sqft (0.124 acres)
Lot Dimensions	120 ft deep x 45 ft wide
View / Lot	Neighborhood
Garage Type	Attached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	60 sqft
Deck Area	483 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000833605
Street Address	318 E CENTRAL AVE
City	MISSOULA
State	MT
Zip	59801-6915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	RESIDENCE ADDITION, S27, T13 N, R19 W, BLOCK 7, LOT 14, & W2 OF LOT 15
Legal Subdivision	RESIDENCE ADDITION
Legal Block	7
Legal Lot Number	14
Jurisdiction	MISSOULA MT
Township / Civil Division	MISSOULA
Census Block Group	2
Census Block	2017
Census Tract	501

Owner

Source: Missoula County records, as of September 15, 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	318 E CENTRAL AVE, MISSOULA, MT 59801-6915
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Deed of Trust, Mortgage · Line of Credit FIRST INTERSTATE BANK
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERNET BANK OF INDIANA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MISSOULA MT
Property Address	318 E CENTRAL AVE, MISSOULA, MT 59801-6915
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 E CENTRAL AVE, MISSOULA, MT 59801-6915

Mortgage

Document Number	0010721167
Date	Mar 14, 2022
Book Page	1072/1167
Instrument	202204609

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	MISSOULA, MT 59806

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MISSOULA MT
Property Address	318 E CENTRAL AVE, MISSOULA, MT 59801-6915
Transaction Type	Mortgage
Record Updated	Nov 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010660505
Date	Oct 29, 2021
Book Page	1066/505
Instrument	202127375

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MISSOULA MT
Property Address	318 E CENTRAL AVE, MISSOULA, MT 59801-6915
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010230430
Date	Dec 18, 2019
Book Page	1023/0430
Instrument	201922295

Lender

Name	FIRST INTERNET BANK OF INDIANA
Type	Bank
Address	FISHERS, IN 46037

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

Tax Assessment & Valuation

Source: Missoula County assessment roll, as of September 15, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$576,900 (-) Land $290,190 Building $286,710	$576,900 (-) Land $290,190 Building $286,710
2025	$5,199.00 (-9.91%)	$576,900 (+19.59%)	$576,900 (+19.59%) Land $290,190 Building $286,710
2023	$5,771.00	$482,400	$482,400 Land $258,960 Building $223,440

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 May 9, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 44% of the US · lower than 79% of Montana
Wildfire Likelihood	0.07% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 586 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
CIS Fixed Wireless	1,000 / 1,000

May also be available: Verizon.

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