Ravalli County property record for 344 Chief Joseph Trl, Darby, MT 59829
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 2 ba · 1,322 sqft · built 2005 |
| Lot Size | 20.2 acres (882,526 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $12,826 (2026) |
| Deeds & Mortgages | Apr 2026 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R1347550 |
| Primary APN | R1347550 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 13 Rooms |
| Units | 3 Units |
| Stories | 1 Story |
| Building Area | 1,322 sqft Living Area |
| 1st Floor Area | 1,322 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 882,526 sqft (20.2 acres) |
| Garage Type | Detached |
| Garage Area | 1,340 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 120 sqft |
| Deck Area | 441 sqft |
| Patio Area | 30 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0001119736 |
|---|---|
| Street Address | 344 CHIEF JOSEPH TRL |
| City | DARBY |
| State | MT |
| Zip | 59829 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | S22, T03 N, R21 W, ACRES 20.26, LOT 12 CHIEF JOSEPH ACRES PHASE ONE (SUBJ TO TOD DEED #740160 AND TOD DEED #740161) |
| Legal Range | 21W |
| Legal Township | 03N |
| Legal Section | 22 |
| Legal Subdivision | CHIEF JOSEPH ACRES PH I |
| Legal Lot Number | 12 |
| Jurisdiction | RAVALLI MT |
| Township / Civil Division | DARBY |
| Census Block Group | 1 |
| Census Block | 1115 |
| Census Tract | 700 |
Source: Ravalli County records, as of September 11, 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 386, DARBY, MT 59829-0386 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2007 |
| Deed Sale | Sep 17, 2007 |
| Deed Book / Page | 594 / 562 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAVALLI MT |
| Recording Date | Apr 6, 2026 |
| Property Address | 344 CHIEF JOSEPH TRL, DARBY, MT 59829 |
| Document Number | 0000814220 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 2026814220 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common, 169 |
| Address | 344 CHIEF JOSEPH TRL, DARBY, MT 59829 |
| Document Number | 0000814220, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 2026814220 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 858 Months |
| Due | Oct 26, 2097 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
Source: Ravalli County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Ravalli County |
| Unified School District | Darby K-12 Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,826.00 (-14.29%) | $2,476,915 (-9.57%) | |
| 2025 | $14,964.00 (+17.33%) | $2,739,065 (+16.19%) | $2,476,915 (+5.07%) Land $123,765 Building $2,353,150 |
| 2023 | $12,754.00 | $2,357,341 | $2,357,341 Land $126,681 Building $2,230,660 |
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 November 16, 2022 · 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 |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 5 (1997–2021) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Feb 2021 · other causes |
| Claims by Event |
|
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 | Very High above 94% of the US · above 95% of Montana |
|---|---|
| Wildfire Likelihood | 2% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Blackfoot Telephone Cooperative Fiber | 1,000 / 500 |
| Starlink Satellite | 280 / 30 |
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