324 E Spruce St, Missoula, MT 59802 Property Records

Missoula County property record for 324 E Spruce St, Missoula, MT 59802

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,114 sqft · built 1910
Lot Size	0.117 acres (5,097 sqft)
Owner	2 Individual Names on Record
Last Sale	$281,300 (May 2019)
Tax Bill	$3,200 (2025)
Deeds & Mortgages	May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0446069`

Property Details

APN / Parcel Number

Primary APN	`R0446069`
Alternative APNs	`04-2200-22-2-45-04-0000` `0000197106` `0197106`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	928 sqft Living Area
Gross Area	1,228 sqft
1st Floor Area	928 sqft
Basement Area	232 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,097 sqft (0.117 acres)
Lot Dimensions	170 ft deep x 30 ft wide
View / Lot	Neighborhood
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	186 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000197106
Street Address	324 E SPRUCE ST
City	MISSOULA
State	MT
Zip	59802-4606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	CP HIGGINS, S22, T13 N, R19 W, BLOCK P, LOT 16
Legal Subdivision	CP HIGGINS
Legal Block	P
Legal Lot Number	16
Jurisdiction	MISSOULA MT
Township / Civil Division	MISSOULA
Census Block Group	1
Census Block	1001
Census Tract	300

Historic Designation

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.

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	804 CHESTNUT ST, MISSOULA, MT 59801-3923
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2019 · Amount on Record
Deed Sale	May 16, 2019 · Amount on Record
Prior Sale	Jun 27, 2013 · Amount on Record
Deed Document Number	20196682
Deed Book / Page	1012 / 217
Record Updated	Oct 29, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MISSOULA MT
Recording Date	May 16, 2019
Property Address	324 E SPRUCE ST, MISSOULA, MT 59802-4606
Document Number	0010120217
Book / Page	1012 / 0217
Instrument Date	May 13, 2019
Instrument	201906682
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	725 HARRISON ST, 725, MISSOULA, MT 59802-4800

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10980 SADDLEBACK LN, MISSOULA, MT 59804-9453

Mortgage

Document Number	201906683
Date	May 16, 2019
Instrument	201906683

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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		$401,240 (-) Land $178,620 Building $222,620	$401,240 (-) Land $178,620 Building $222,620
2025	$3,200.00 (-21.32%)	$401,240 (+18.01%)	$401,240 (+18.01%) Land $178,620 Building $222,620
2023	$4,067.00	$340,015	$340,015 Land $153,405 Building $186,610

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 · 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.

Wildfire

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.

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 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.