3732 Lower River Rd, Great Falls, MT 59405 Property Records

Cascade County property record for 3732 Lower River Rd, Great Falls, MT 59405

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 2,616 sqft · built 1931
Lot Size	1.94 acres (84,506 sqft)
Owner	Individual Name on File
Tax Bill	$1,864 (2026)
Deeds & Mortgages	Oct 2023 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`R0234698`

Property Details

APN / Parcel Number

Primary APN	`R0234698`
Alternative APNs	`02-3015-23-1-01-08-0000` `0002105500` `02105500`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,616 sqft Living Area
1st Floor Area	1,688 sqft
Attic	Attic
Attic Area	928 sqft
Basement Area	360 sqft
Unfinished Basement	360 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Shingles
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	84,506 sqft (1.94 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	904 sqft
Deck Area	529 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0002105500
Street Address	3732 LOWER RIVER RD
City	GREAT FALLS
State	MT
Zip	59405-7223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	MCLEAN GARDEN TRACTS, S23, T20 N, R03 E, LOT 14C, LTS 14C,14BA, ADJ ABND RD (MKS 14BA,14C)
Legal Range	03E
Legal Township	20N
Legal Section	23
Legal Subdivision	MCLEAN GARDEN TRACTS
Legal Lot Number	14C
Jurisdiction	CASCADE MT
Township / Civil Division	GREAT FALLS
Census Block Group	1
Census Block	1026
Census Tract	2201

Owner

3732 Lower River Rd is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	3732 LOWER RIVER RD, GREAT FALLS, MT 59405-7223
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
Oct 31, 2023	Deed of Trust, Mortgage · Line of Credit STOCKMAN BANK OF MONTANA
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage STOCKMAN BANK
Oct 12, 2017	Deed of Trust, Mortgage · Line of Credit STOCKMAN BK/MT

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASCADE MT
Property Address	3732 LOWER RIVER RD, GREAT FALLS, MT 59405-7223
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3732 LOWER RIVER RD, GREAT FALLS, MT 59405-7223

Mortgage

Document Number	00R0449910
Date	Oct 31, 2023
Instrument	R0449910

Lender

Name	STOCKMAN BANK OF MONTANA
Type	Bank
Address	GREAT FALLS, MT 59401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Nov 10, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASCADE MT
Property Address	3732 LOWER RIVER RD, GREAT FALLS, MT 59405-7223
Transaction Type	Mortgage
Record Updated	May 13, 2021
Title Company	LEGACY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00R0408955
Date	Apr 26, 2021
Instrument	R0408955

Lender

Name	STOCKMAN BANK
Type	Bank
Address	MILES CITY, MT 59301

Agreement

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

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASCADE MT
Property Address	3732 LOWER RIVER RD, GREAT FALLS, MT 59405-7223
Document Number	0000346892
Instrument Date	Oct 12, 2017
Transaction Type	Mortgage
Record Updated	Dec 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3732 LOWER RIVER RD GREAT FALLS MT 594057223, GREAT FALLS, MT 59405-7223

Mortgage

Document Number	0000346892
Date	Oct 25, 2017
Instrument	346892

Lender

Name	STOCKMAN BK/MT
Type	Bank
Address	GREAT FALLS, MT 59401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 24, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3732 Lower River Rd was $1,864 with a homeowner's exemption, down 24.1% 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	$1,864.00 (-24.14%) Homeowner's exemption	$620,200 (-)
2025	$2,457.00	$620,200	$620,200 Land $309,220 Building $310,980
2023	$5,299.00	$542,000	$542,000 Land $286,848 Building $255,152

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

Flood

FEMA maps place 3732 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

The area around 3732 Lower River Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land 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	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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