413 Spokane Ave, Troy, MT 59935 Property Records

Lincoln County property record for 413 Spokane Ave, Troy, MT 59935

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 946 sqft · built 1920
Lot Size	0.574 acres (25,003 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,281 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Mar 2020 Mortgage + 2 more
APN	`R564194`

Property Details

APN / Parcel Number

Primary APN	`R564194`
Alternative APNs	`56-4280-12-3-05-09-0000` `0000003726`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	946 sqft Living Area
1st Floor Area	946 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Shingles
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	25,003 sqft (0.574 acres)
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	16 sqft
Shed	1 Shed
Pole Barn	Pole Barn
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000003726
Street Address	413 SPOKANE AVE
City	TROY
State	MT
Zip	59935-7727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BARTLETT ADD TO W TROY, S12, T31 N, R34 W, LOT 9 - 16, ACRES 0.574, OR TRS 6AC & 6AC1
Legal Range	34W
Legal Township	31N
Legal Section	12
Legal Subdivision	BARTLETT ADD TO W TROY
Legal Lot Number	9-16
Jurisdiction	LINCOLN MT
Township / Civil Division	TROY
Census Block Group	1
Census Block	1059
Census Tract	500

Owner

Source: Lincoln County records, as of September 19, 2025

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	PO BOX 533, TROY, MT 59935-0533
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Mar 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 14, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 15, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 30, 2013
Transfer Doc	000351/422
Record Updated	Jun 8, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Property Address	413 SPOKANE AVE, TROY, MT 59935-7727
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA SETTLEMENTS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000367/239
Date	Apr 18, 2017
Book Page	367/239
Instrument	268410

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Property Address	413 SPOKANE AVE, TROY, MT 59935-7727
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000381/383
Date	Mar 2, 2020
Book Page	381/383
Instrument	284335

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Jun 1, 2047

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Property Address	413 SPOKANE AVE, TROY, MT 59935-7727
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000386/599
Date	Dec 14, 2020
Book Page	386/599
Instrument	289888

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	Jul 1, 2047

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Property Address	413 SPOKANE AVE, TROY, MT 59935-7727
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000392/372
Date	Sep 15, 2021
Book Page	392/372
Instrument	295971

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	310 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of September 19, 2025

Property Jurisdictions

Type	Name
State	Montana
County	Lincoln County
Municipality	Troy City
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
2025	$1,281.00 (+107.28%)	$275,810 (+42.81%)	$275,810 (+42.81%) Land $80,750 Building $195,060
2023	$618.00	$193,130	$193,130 Land $25,750 Building $167,380

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Claims	2 (1997)
Most Recent Claim	May 1997 · Severe Storms,ice Jams, Snow Melt, Flooding
Claims by Event	Severe Storms,ice Jams, Snow Melt, Flooding, May 1997 · 2 claims

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	Moderate above 43% of the US · lower than 80% of Montana
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF TROY serves 2,100 people · EPA ID MT0000348
Water Source	Groundwater
Last State Inspection	Sep 2024
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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Western Montana CommunityTel Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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