3630 Lower River Rd, Great Falls, MT 59405 Property Records

Cascade County property record for 3630 Lower River Rd, Great Falls, MT 59405

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,508 sqft · built 1963
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,569 (2026)
Deeds & Mortgages	Apr 2026 Transfer Nov 2022 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`R0234696`

Property Details

APN / Parcel Number

Primary APN	`R0234696`
Alternative APNs	`02-3015-23-1-01-13-0000` `0002105100` `02105100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,508 sqft Living Area
1st Floor Area	1,508 sqft
Basement Area	952 sqft
Finished Basement	952 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Shingles
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	312 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Well

Location & Zoning

Account Number	0002105100
Street Address	3630 LOWER RIVER RD
City	GREAT FALLS
State	MT
Zip	59405-7221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	MCLEAN GARDEN TRACTS, S23, T20 N, R03 E, LOT 13B, MCL LOT 13B & IN SWSW MK 13B
Legal Range	03E
Legal Township	20N
Legal Section	23
Legal Subdivision	MCLEAN GARDEN TRACTS
Legal Lot Number	13B
Jurisdiction	CASCADE MT
Township / Civil Division	GREAT FALLS
Census Block Group	1
Census Block	1026
Census Tract	2201

Owner

3630 Lower River Rd is owned and occupied by two individuals who acquired it in April 2026.

Source: Cascade County records, as of September 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3630 LOWER RIVER RD, GREAT FALLS, MT 59405-7221
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Nov 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage MONTANA FCU
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Feb 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Mar 27, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MONTANA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 27, 2026
Transfer Doc	0000482333
Record Updated	Oct 29, 2026

April 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CASCADE MT
Recording Date	Apr 28, 2026
Property Address	3630 LOWER RIVER RD, GREAT FALLS, MT 59405-7221
Document Number	0000482333
Instrument Date	Apr 27, 2026
Instrument	2026482333
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASCADE MT
Property Address	3630 LOWER RIVER RD, GREAT FALLS, MT 59405-7221
Transaction Type	Mortgage
Record Updated	Nov 18, 2022
Title Company	LEGACY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00R0437702
Date	Nov 9, 2022
Instrument	R0437702

Lender

Name	MONTANA FCU
Type	Credit Union
Address	GREAT FALLS, MT 59403

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	144 Months
Due	Nov 1, 2034

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASCADE MT
Property Address	3630 LOWER RIVER RD, GREAT FALLS, MT 59405-7221
Transaction Type	Mortgage
Record Updated	Sep 27, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00R0417655
Date	Sep 16, 2021
Instrument	R0417655

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASCADE MT
Property Address	3630 LOWER RIVER RD, GREAT FALLS, MT 59405-7221
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000335145
Date	Feb 7, 2017
Instrument	R0335145

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2032

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASCADE MT
Property Address	3630 LOWER RIVER RD, GREAT FALLS, MT 59405-7221
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MOUNTAIN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000352993
Date	Mar 27, 2018
Instrument	R0352993

Lender

Name	MONTANA FCU
Type	Credit Union
Address	GREAT FALLS, MT 59403

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 3630 Lower River Rd was $3,569, down 18.6% from the year before.

Source: Cascade County assessment roll, as of September 3, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Cascade County
Municipality	Great Falls City
Elementary School District	Great Falls Elementary School District (PK - 08)
Secondary School District	Great Falls High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,569.00 (-18.57%)	$578,400 (-)
2025	$4,383.00	$578,400	$578,400 Land $317,700 Building $260,700
2023	$4,907.00	$470,200	$470,200 Land $291,300 Building $178,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3630 Lower River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Jun 2011 · Severe Storms And 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.

Wildfire

Wildfire risk around 3630 Lower River Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 98.4% of Montana
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	CITY OF GREAT FALLS serves 60,000 people · EPA ID MT0000525
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	12 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2019
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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Konceptio Data Services.

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