Park County property record for 406 3rd St S, Gardiner, MT 59030
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,254 sqft · built 2014 |
| Lot Size | 0.457 acres (19,907 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $9,174 (2026) |
| Flood Zone | Zone A (high risk) |
| APN | R4914140 |
| Primary APN | R4914140 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,254 sqft Living Area |
| 1st Floor Area | 1,254 sqft |
| Basement Area | 1,254 sqft |
| Finished Basement | 1,254 sqft |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 19,907 sqft (0.457 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 560 sqft |
| Deck Area | 328 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 0000045300 |
|---|---|
| Street Address | 406 3RD ST S |
| City | GARDINER |
| State | MT |
| Zip | 59030-7768 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 2 |
| Legal Description | GARDINER ORIGINAL TOWNSITE, S23, T09 S, R08 E, BLOCK 12, LOT 22A, ACRES 0.457 |
| Legal Range | 08E |
| Legal Township | 09S |
| Legal Section | 23 |
| Legal Subdivision | GARDINER ORIGINAL TOWNSITE |
| Legal Block | 12 |
| Legal Lot Number | 22A |
| Jurisdiction | PARK MT |
| Township / Civil Division | GARDINER-COOKE CITY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 500 |
406 3rd St S is owned by two individuals who acquired it in June 2012.
Source: Park County records, as of September 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 415, GARDINER, MT 59030-0415 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2012 |
| Deed Sale | Jun 4, 2012 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 406 3rd St S was $9,174.
Source: Park County assessment roll, as of September 14, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Park County |
| Elementary School District | Gardiner Elementary School District (PK - 08) |
| Secondary School District | Gardiner High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,174.00 | $1,628,671 | |
| 2025 | $1,628,671 Land $608,871 Building $1,019,800 | ||
| 2023 | $6,638.00 | $1,352,088 | $1,352,088 Land $454,768 Building $897,320 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 3rd St S in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 16, 2022 · 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 |
| Nearby Flood Claims | 2 (1997) |
| Most Recent Claim | Jun 1997 · Severe Storms,ice Jams, Snow Melt, Flooding |
| Claims by Event |
|
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 406 3rd St S is high, ranking above 72% 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 72% of the US · above 54% of Montana |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GARDINER PARK CO WATER DIST serves 700 people · EPA ID MT0000224 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2024 |
| Lead | 2 ppb (2015–2017) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 228 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Wisp West Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Yellowstone Media Design Fixed Wireless | 50 / 50 |
| CenturyLink DSL | 10 / 1 |
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