Lewis And Clark County property record for 3404 Terrace Ave, Helena, MT 59602
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,902 sqft · built 1988 |
| Lot Size | 0.517 acres (22,521 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,525 (2026) |
| Deeds & Mortgages | Sep 2022 Mortgage Jan 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R0510684 |
| Primary APN | R0510684 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,902 sqft Living Area |
| 1st Floor Area | 1,304 sqft |
| 2nd Floor Area | 598 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,521 sqft (0.517 acres) |
| Garage Type | Detached |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 375 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000008058 |
|---|---|
| Street Address | 3404 TERRACE AVE |
| City | HELENA |
| State | MT |
| Zip | 59602-9229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Description | SEYMER PARK ADDN, S22, T10 N, R04 W, BLOCK 16, LOT 4 - 6 |
| Legal Range | 04W |
| Legal Township | 10N |
| Legal Section | 22 |
| Legal Subdivision | SEYMER PARK ADDN |
| Legal Block | 16 |
| Legal Lot Number | 4-6 |
| Jurisdiction | LEWIS AND CLARK MT |
| Township / Civil Division | HELENA |
| Census Block Group | 1 |
| Census Block | 1102 |
| Census Tract | 600 |
Source: Lewis And Clark County records, as of September 11, 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 | 3404 TERRACE AVE, HELENA, MT 59602-9229 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2022 | Deed of Trust, Mortgage VALLEY BANK OF HELENA |
| Jan 10, 2017 | Deed of Trust, Mortgage · Line of Credit VALLEY BANK OF HELENA |
| Nov 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage VALLEY BANK OF HELENA |
| Sep 30, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 27, 2006 |
| Transfer Doc | 00M34/8756 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEWIS AND CLARK MT |
| Property Address | 3404 TERRACE AVE, HELENA, MT 59602-9229 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2022 |
| Title Company | FIRST MONTANA LAND TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 3232 LEGACY LOOP, HELENA, MT 59602-3033 |
| Document Number | 00M61/5253 |
|---|---|
| Date | Sep 20, 2022 |
| Book Page | M61/5253 |
| Instrument | 3404119 |
| Name | VALLEY BANK OF HELENA |
|---|---|
| Type | Bank |
| Address | HELENA, MT 59604 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEWIS AND CLARK MT |
| Property Address | 3404 TERRACE AVE, HELENA, MT 59602-9229 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST MONTANA TITLE, FIRST MONTANA LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | M52/3485 |
|---|---|
| Date | Jan 10, 2017 |
| Book Page | M52/3485 |
| Instrument | 3300499 |
| Name | VALLEY BANK OF HELENA |
|---|---|
| Type | Bank |
| Address | HELENA, MT 59624 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEWIS AND CLARK MT |
| Property Address | 3404 TERRACE AVE, HELENA, MT 59602-9229 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST MONTANA LAND TITLE CO |
| Name | Verified Name |
|---|
| Document Number | M56/3207 |
|---|---|
| Date | Nov 20, 2019 |
| Book Page | M56/3207 |
| Instrument | 3346525 |
| Name | VALLEY BANK OF HELENA |
|---|---|
| Type | Bank |
| Address | HELENA, MT 59601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2024 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3% |
| Max Rate At Change | 5.62% |
| Index | 5-Year CMT |
| Margin | 3 |
| Max Rate | 8.62% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LEWIS AND CLARK MT |
| Recording Date | Sep 30, 2019 |
| Property Address | 3404 TERRACE AVE, HELENA, MT 59602-9229 |
| Document Number | 00M56/0825 |
| Book / Page | M56 / 0825 |
| Instrument Date | Sep 30, 2019 |
| Instrument | 3343755 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3404 TERRACE AVE, HELENA, MT 59602-9229 |
Source: Lewis And Clark County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Lewis And Clark County |
| Elementary School District | Helena Elementary School District (PK - 08) |
| Secondary School District | Helena High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,525.00 (+41.38%) | $451,800 (+5.02%) | |
| 2025 | $451,800 (+5.02%) Land $118,058 Building $333,742 | ||
| 2023 | $3,908.00 | $430,200 | $430,200 Land $86,125 Building $344,075 |
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 April 7, 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 8 (10% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 3 (1981–2018) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jun 2018 · river or lake flooding |
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 | Moderate above 59% of the US · lower than 64% of Montana |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 | HELENA WATER SYSTEM serves 32,091 people · EPA ID MT0000241 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jan 2023 |
|---|---|
| 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 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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