Lincoln County property record for 398 Spencer Rd, Libby, MT 59923 · Last verified January 2026
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,296 sqft · built 1952 |
| Lot Size | 2.4 acres (104,762 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,095 (2025) |
| Deeds & Mortgages | Mar 2023 Transfer Jul 2021 Mortgage |
| APN | R564039 |
| Primary APN | R564039 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| 1st Floor Area | 1,296 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Log Home |
| Exterior Material | Other |
| Construction Type | Log |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 104,762 sqft (2.4 acres) |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 428 sqft |
| Pole Barn | 1,800 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Floor/Wall Furnace |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000003568 |
|---|---|
| Street Address | 398 SPENCER RD |
| City | LIBBY |
| State | MT |
| Zip | 59923-9081 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | HOWARD ACRES, S15, T30 N, R31 W, BLOCK 2, LOT TR 3A1-4D & 4C, ENDERS ACRES LOT 1 OR LOTS B & C PM #4890A |
| Legal Subdivision | HOWARD ACRES |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | LINCOLN MT |
| Township / Civil Division | LIBBY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 100 |
Source: Lincoln County records · APN R564039
Assessment roll updated December 31, 2024 · Last verified January 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 398 SPENCER RD, LIBBY, MT 59923-9081 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2023 | Intrafamily Transfer, Transfer |
| Jul 07, 2021 | Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE CO |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Jul 07, 2021 |
| Deed Sale | Jul 07, 2021 |
| Prior Sale | Jul 07, 2021 |
| Deed Document Number | 000390/867 |
| Deed Book / Page | 390 / 867 |
| Last Transfer Date | Mar 13, 2023 |
| Transfer Doc | 000400/756 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LINCOLN MT |
| Recording Date | Mar 13, 2023 |
| Property Address | 398 SPENCER RD, LIBBY, MT 59923-9081 |
| Document Number | 000400/756 |
| Book / Page | 400 / 756 |
| Instrument Date | Oct 17, 2022 |
| Instrument | 304954 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 2890 CLARKSHOLM, CANDA XX |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN MT |
| Recording Date | Jul 07, 2021 |
| Property Address | 398 SPENCER RD, LIBBY, MT 59923-9081 |
| Document Number | 000390/867 |
| Book / Page | 390 / 867 |
| Map Reference | PL 4890A |
| Instrument Date | Jul 07, 2021 |
| Instrument | 294390 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 398 SPENCER RD, LIBBY, MT 59923-9081 |
| Document Number | 0000294391 |
|---|---|
| Date | Jul 07, 2021 |
| Instrument | 294391 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
Source: Lincoln County records · Assessment roll updated December 31, 2024 · Last verified January 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Lincoln County |
| Unified School District | Libby K-12 Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,095.00 (-39.7%) | $347,900 (+34.22%) | $347,900 (+34.22%) Land $85,102 Building $262,798 |
| 2023 | $1,816.00 | $259,200 | $259,200 Land $46,823 Building $212,377 |
Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | FEMA flood map data for this location is not available in our records |
|---|
| Wildfire Risk | Moderate above 55% of the US · above 31% of Montana |
|---|---|
| Wildfire Likelihood | About 1 in 909 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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