3914 Rainbow Bend Dr, Bonner, MT 59823 Property Records

Missoula County property record for 3914 Rainbow Bend Dr, Bonner, MT 59823

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,039 sqft · built 1988
Lot Size	2.68 acres (117,176 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Apr 2016)
Tax Bill	$4,944 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0495564`

Property Details

APN / Parcel Number

Primary APN	`R0495564`
Alternative APNs	`04-2202-11-1-01-05-0000` `0005943707` `5943707`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,039 sqft Living Area
Gross Area	2,615 sqft
1st Floor Area	1,376 sqft
Upper Floors Area	663 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	117,176 sqft
View / Lot	Rural
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	88 sqft
Deck Area	44 sqft
Shed	1 Shed
Shed Area	128 sqft
Gazebo	174 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0005943707
Street Address	3914 RAINBOW BEND DR
City	BONNER
State	MT
Zip	59823-9502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S11, T13 N, R17 W, C.O.S. 5944, PARCEL C1, INCLUDES POR A & B
Legal Range	17W
Legal Township	13N
Legal Section	11
Legal Subdivision	CERT/SURV 5944
Legal Block	2
Legal Lot Number	C
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 15, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3914 RAINBOW BEND DR, BONNER, MT 59823-9502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2024	Deed of Trust, Mortgage · Line of Credit OPPORTUNITY BANK OF MT
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage OPPORTUNITY BANK OF MT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2016 · Amount on Record
Deed Sale	Apr 12, 2016 · Amount on Record
Deed Document Number	20165392
Deed Book / Page	959 / 1020
Prior Transfer Date	Jun 7, 2007
Prior Transfer Doc	0000014178
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MISSOULA MT
Property Address	3914 RAINBOW BEND DR, BONNER, MT 59823-9502
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010980532
Date	Mar 22, 2024
Book Page	1098/532
Instrument	202402863

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank
Address	HELENA, MT 59604

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 13, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MISSOULA MT
Property Address	3914 RAINBOW BEND DR, BONNER, MT 59823-9502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010431367
Date	Nov 17, 2020
Book Page	1043/1367
Instrument	202027937

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank
Address	HELENA, MT 59604

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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		$723,300 (-) Land $238,556 Building $484,744	$723,300 (-) Land $238,556 Building $484,744
2025	$4,944.00 (-16.92%)	$723,300 (+9.13%)	$723,300 (+9.13%) Land $238,556 Building $484,744
2023	$5,951.00	$662,800	$662,800 Land $159,913 Building $502,887

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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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