415 Cactus Rd, Helena, MT 59602 Property Records

Lewis And Clark County property record for 415 Cactus Rd, Helena, MT 59602

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,008 sqft · built 1985
Lot Size	1.11 acres (48,352 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,400 (Dec 2020)
Tax Bill	$1,981 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0513154`

Property Details

APN / Parcel Number

Primary APN	`R0513154`
Alternative APNs	`05-1995-18-2-01-04-0000` `0000010281`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	48,352 sqft (1.11 acres)
Deck Area	25 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000010281
Street Address	415 CACTUS RD
City	HELENA
State	MT
Zip	59602-9310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOGE SUBDIVISION, S18, T11 N, R03 W, LOT 20, COS #275376
Legal Range	03W
Legal Township	11N
Legal Section	18
Legal Subdivision	HOGE SUBDIVISION
Legal Lot Number	20
Jurisdiction	LEWIS AND CLARK MT
Township / Civil Division	LINCOLN
Census Block Group	3
Census Block	3048
Census Tract	200

Owner

Source: Lewis And Clark County records, as of September 11, 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 Record
Mailing Address	415 CACTUS RD, HELENA, MT 59602-9310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2020	Warranty Deed, Transfer · VA Mortgage NEW DAY FINANCIAL LLC
Oct 31, 2018	Deed of Trust, Mortgage UNITED STATES OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2020 · Amount on Record
Deed Sale	Dec 2, 2020 · Amount on Record
Prior Sale	May 12, 2014 · Amount on Record
Deed Document Number	20203368244
Deed Book / Page	58 / 2793
Prior Transfer Date	Nov 28, 2007
Prior Transfer Doc	00M37/5827
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Dec 2, 2020
Property Address	415 CACTUS RD, HELENA, MT 59602-9310
Document Number	M58/2793
Book / Page	M58 / 2793
Map Reference	DOC 275376
Instrument Date	Nov 30, 2020
Instrument	3368244
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	ALLEN ABSTRACT AND TITLE COMPANY, HELENA ABSTRACT & TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	3368245
Date	Dec 2, 2020
Instrument	3368245

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	415 CACTUS RD, HELENA, MT 59602-9310
Transaction Type	Mortgage
Record Updated	Nov 15, 2018
Title Company	HELENA ABSTRACT & TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M54/8757
Date	Oct 31, 2018
Book Page	M54/8757
Instrument	3329798

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	HELENA, MT 59604

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Nov 5, 2028

Tax Assessment & Valuation

Source: Lewis And Clark County assessment roll, as of September 11, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Lewis And Clark County
Elementary School District	Helena Elementary School District (PK - 08)
Secondary School District	Helena High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,981.00 (+12.3%)	$390,800 (-)
2025	$1,764.00 (-43.98%)	$390,800 (+16.41%)	$390,800 (+16.41%) Land $129,435 Building $261,365
2023	$3,149.00	$335,700	$335,700 Land $88,028 Building $247,672

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 April 7, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1986)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1986 · river or lake flooding

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	Low lower than 94% of the US · lower than 98.8% of Montana
Wildfire Likelihood	0.02% 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, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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