3898 Rainbow Bend Dr, Bonner, MT 59823 Property Records

Missoula County property record for 3898 Rainbow Bend Dr, Bonner, MT 59823

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,465 sqft · built 1987
Lot Size	2.23 acres (97,574 sqft)
Owner	2 Individual Names on Record
Last Sale	$901,425 (Aug 2026)
Tax Bill	$4,765 (2025)
Deeds & Mortgages	Aug 2026 Mortgage May 2026 Transfer + 1 more
Flood Zone	Zone A (high risk)
APN	`R0495565`

Property Details

APN / Parcel Number

Primary APN	`R0495565`
Alternative APNs	`04-2202-11-1-01-07-0000` `0005943803` `5943803`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,465 sqft Living Area
1st Floor Area	1,925 sqft
Upper Floors Area	540 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	97,574 sqft
View / Lot	Rural
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	96 sqft
Deck Area	240 sqft
Lean-To	240 sqft
Pole Barn	256 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0005943803
Street Address	3898 RAINBOW BEND DR
City	BONNER
State	MT
Zip	59823-9592
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S11, T13 N, R17 W, C.O.S. 5944, PARCEL D1, INCLUDES PORTIONS C&D
Legal Range	17W
Legal Township	13N
Legal Section	11
Legal Subdivision	CERT/SURV 5944
Legal Block	2
Legal Lot Number	D
Jurisdiction	MISSOULA MT
Township / Civil Division	MISSOULA
Census Block Group	2
Census Block	2003
Census Tract	1402

Owner

Source: Missoula County records, as of September 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12405 LOCKSLEY DR, BAKERSFIELD, CA 93311-8515
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 21, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2026 · Amount on Record
Deed Sale	Aug 28, 2026 · Amount on Record
Deed Document Number	202613829
Deed Book / Page	1133 / 92
Prior Transfer Date	Apr 16, 2026
Prior Transfer Doc	0000007426
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MISSOULA MT
Recording Date	Aug 28, 2026
Property Address	3898 RAINBOW BEND DR, BONNER, MT 59823-9592
Document Number	0000013829
Book / Page	1133 / 92
Instrument Date	Aug 27, 2026
Instrument	202613829
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	TITLE ESCROW, FLYING S TITLE AND ESCROW

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12405 LOCKSLEY DR, BAKERSFIELD, CA 93311-8515

Mortgage

Document Number	0000013830,
Date	Aug 28, 2026
Book Page	1133/93
Instrument	202613830

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MISSOULA MT
Recording Date	May 21, 2026
Property Address	3898 RAINBOW BEND DR, BONNER, MT 59823-9592
Document Number	0000007426
Book / Page	1128 / 689
Instrument Date	Apr 16, 2026
Instrument	20267426
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3898 RAINBOW BEND DR, BONNER, MT 59823-9592

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MISSOULA MT
Property Address	3898 RAINBOW BEND DR, BONNER, MT 59823-9592
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009750094
Date	Feb 21, 2017
Book Page	975/0094
Instrument	201703036

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2032

Tax Assessment & Valuation

Source: Missoula County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Missoula County
Secondary School District	Missoula High School District (09 - 12)
Elementary School District	Potomac Elementary School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$706,400 (-) Land $228,476 Building $477,924	$706,400 (-) Land $228,476 Building $477,924
2025	$4,765.00 (-12.38%)	$706,400 (+16.45%) Land $228,476 Building $477,924	$706,400 (+16.45%) Land $228,476 Building $477,924
2024	$5,438.00 (+0.33%)
2023	$5,420.00	$606,600	$606,600 Land $156,448 Building $450,152

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 9, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 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

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

Wildfire Risk	High above 87% of the US · above 84% of Montana
Wildfire Likelihood	0.7% annual chance
Exposure	None beyond 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	WHITEWATER PARK ASSOC BONNER private · serves 25 people · EPA ID MT0001865
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Blackfoot Telephone Cooperative DSL	40 / 5

Cell Coverage

4G LTE (outdoors only), no 5G reported

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