Mineral County property record for 376 Upper Cotton Ln, De Borgia, MT 59830
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1 ba · 2,318 sqft · built 1978 |
| Lot Size | 10.3 acres (451,717 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,283 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R545611 |
| Primary APN | R545611 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,318 sqft Living Area |
| 1st Floor Area | 1,656 sqft |
| Attic | Attic |
| Attic Area | 662 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 451,717 sqft (10.3 acres) |
| Garage Type | Mixed |
| Garage Area | 768 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 288 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 0000203600 |
|---|---|
| Street Address | 376 UPPER COTTON LN |
| City | DE BORGIA |
| State | MT |
| Zip | 59830-7548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S24, T19 N, R30 W, C.O.S. 16, PARCEL 17, ACRES 10.37, AKA WATERHOLE TRACTS |
| Legal Range | 30W |
| Legal Township | 19N |
| Legal Section | 24 |
| Legal Lot Number | 17 |
| Jurisdiction | MINERAL MT |
| Township / Civil Division | WEST END |
| Census Block Group | 3 |
| Census Block | 3089 |
| Census Tract | 964600 |
376 Upper Cotton Ln is owned and occupied by an individual.
Source: Mineral County records, as of September 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 300170, DE BORGIA, MT 59830-0170 |
| 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.
| Date | Document |
|---|---|
| Jun 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Jan 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MINERAL MT |
| Property Address | 376 UPPER COTTON LN, DE BORGIA, MT 59830-7548 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000121475 |
|---|---|
| Date | Jun 8, 2020 |
| Instrument | 121475 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MINERAL MT |
| Property Address | 376 UPPER COTTON LN, DE BORGIA, MT 59830-7548 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000125311 |
|---|---|
| Date | Jan 27, 2022 |
| Instrument | 125311 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2042 |
The 2025 property tax bill for 376 Upper Cotton Ln was $1,283 with a homeowner's exemption.
Source: Mineral County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Mineral County |
| Unified School District | St. Regis K-12 Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $461,093 (-) | ||
| 2025 | $1,283.00 Homeowner's exemption | $461,093 | $461,093 Land $197,243 Building $263,850 |
| 2023 | $2,338.00 | $305,561 | $305,561 Land $77,781 Building $227,780 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 376 Upper Cotton Ln in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 1 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 risk around 376 Upper Cotton Ln is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 42% of Montana |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| T-Mobile Fixed Wireless | 25 / 3 |
| Blackfoot Telephone Cooperative DSL | 10 / 1 |
5G (outdoors only) and 4G LTE
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