410 Recluse Dr, Troy, MT 59935 Property Records

Lincoln County property record for 410 Recluse Dr, Troy, MT 59935

Property Summary

Property Type	Agricultural Vacant Land
Details	1 bd · 816 sqft · built 1982
Lot Size	20 acres (871,200 sqft)
Owner	Individual Name on File
Last Sale	$482,125 (Jun 2026)
Tax Bill	$32 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2025 Mortgage
APN	`R5610954`

Property Details

APN / Parcel Number

Primary APN	`R5610954`
Alternative APNs	`56-4391-24-1-01-01-0000` `0000009934`

Interior

Bedrooms	1 Bed
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	816 sqft Total Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Metal
Lot Area	871,200 sqft (20 acres)
Terrain	Wooded

Utilities, Heating & Cooling

Cooling System	None
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000009934
Street Address	410 RECLUSE DR
City	TROY
State	MT
Zip	59935-8992
Property Category	Agriculture or Farming
Property Type	Vacant Land > Agricultural
Legal Description	S24, T32 N, R34 W, S2SESE OR TR 5F 20.00 ACRES
Legal Range	34W
Legal Township	32N
Legal Section	24
Jurisdiction	LINCOLN MT
Township / Civil Division	TROY
Census Block Group	4
Census Block	4134
Census Tract	500

Owner

410 Recluse Dr, agricultural vacant land, is owned by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1350, TROY, MT 59935-1350
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 12, 2026	Quit Claim Deed, Transfer · Conventional Mortgage WHITEFISH CREDIT UNION
Jun 6, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage WHITEFISH CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2026 · Amount on File
Deed Sale	Jun 12, 2026 · Amount on File
Prior Sale	Jun 6, 2025 · Amount on File
Deed Document Number	2026321417
Deed Book / Page	415 / 315
Prior Transfer Date	Jun 5, 2025
Prior Transfer Doc	000410/412
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LINCOLN MT
Recording Date	Jun 12, 2026
Property Address	410 RECLUSE DR, TROY, MT 59935-8992
Document Number	0000321417
Book / Page	415 / 315
Instrument Date	Jun 12, 2026
Instrument	2026321417
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	FLYING S TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000321418,
Date	Jun 12, 2026
Instrument	2026321418

Lender

Name	WHITEFISH CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MT
Recording Date	Jun 6, 2025
Property Address	410 RECLUSE DR, TROY, MT 59935
Document Number	000410/411
Book / Page	410 / 411
Instrument Date	Jun 5, 2025
Instrument	315877
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	FLYING S TITLE AND ESCROW

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 1350, TROY, MT 59935-1350

Mortgage

Document Number	000410/412
Date	Jun 6, 2025
Book Page	410/412
Instrument	315878

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 20, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 410 Recluse Dr was $32, up 3.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$32.00 (+3.23%)	$18,249 (-)
2025	$31.00	$18,249	$18,249 Land $18,249
2023	$37.00	$21,475	$24,462 Land $24,462

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 410 Recluse Dr; 5 flood insurance policies are in force nearby.

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

FEMA Flood Zone	Not on file
Nearby Flood Policies	5 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 410 Recluse Dr is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 41% of Montana
Wildfire Likelihood	0.2% 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, as of December 31, 2025

Cell Coverage

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

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