38 Finley Gulch Rd, Lonepine, MT 59848 Property Records

Sanders County property record for 38 Finley Gulch Rd, Lonepine, MT 59848

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 2,100 sqft · built 2004
Lot Size	20 acres (872,986 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,982 (2026)
Deeds & Mortgages	Jun 2018 Mortgage Oct 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R3524067`

Property Details

APN / Parcel Number

Primary APN	`R3524067`
Alternative APNs	`35-3345-28-2-01-30-0000` `0000019552`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,100 sqft Living Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	872,986 sqft (20 acres)
Terrain	Wooded

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Account Number	0000019552
Street Address	38 FINLEY GULCH RD
City	LONEPINE
State	MT
Zip	59848-8701
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	S28, T23 N, R24 W, PAR 1 COS 2151 IN W2SENW, PLAT A 20.041A
Legal Range	24W
Legal Township	23N
Legal Section	28
Jurisdiction	SANDERS MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	2
Census Block	2047
Census Tract	940300

Owner

38 Finley Gulch Rd, a rural home, is owned and occupied by two individuals.

Source: Sanders County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	38 FINLEY GULCH RD, LONEPINE, MT 59848-8701
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
Jun 22, 2018	Deed of Trust, Mortgage FIRST INTERSTATE BANK
Oct 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WINTRUST MORTGAGE
Feb 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WINTRUST MORTGAGE
Apr 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDERS MT
Property Address	38 FINLEY GULCH RD, LONEPINE, MT 59848-8701
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000000309943
Date	Jun 22, 2018
Instrument	000000309943

Lender

Name	FIRST INTERSTATE BANK
Type	Bank

Agreement

Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDERS MT
Property Address	38 FINLEY GULCH RD, LONEPINE, MT 59848-8701
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	314391
Date	Oct 4, 2019
Instrument	314391

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDERS MT
Property Address	38 FINLEY GULCH RD, LONEPINE, MT 59848-8701
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	311974
Date	Feb 5, 2019
Instrument	311974

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDERS MT
Property Address	38 FINLEY GULCH RD, LONEPINE, MT 59848-8701
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	316082
Date	Apr 10, 2020
Instrument	316082

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 38 Finley Gulch Rd was $3,982, up 115.8% from the year before.

Source: Sanders County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Sanders County
Unified School District	Hot Springs K-12 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,982.00 (+115.83%)	$281,457 (-)
2025	$1,845.00	$281,457	$281,457 Land $47,557 Building $233,900
2023	$1,978.00	$214,679	$214,679 Land $33,649 Building $181,030

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

Flood

FEMA maps place 38 Finley Gulch Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 14, 2019 · 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	3 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

Wildfire risk around 38 Finley Gulch Rd is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · above 49% of Montana
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Hot Springs Telephone Fixed Wireless	100 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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