415 Spruce St, Manhattan, MT 59741 Property Records

Gallatin County property record for 415 Spruce St, Manhattan, MT 59741

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,314 sqft · built 1983
Lot Size	0.427 acres (18,600 sqft)
Owner	Individual Name on File
Last Sale	$343,800 (May 2021)
Tax Bill	$2,904 (2026)
Deeds & Mortgages	May 2021 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`00REE22107`

Property Details

APN / Parcel Number

Primary APN	`00REE22107`
Alternative APNs	`06-1009-11-2-29-09-0000` `R0627637`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,314 sqft Living Area
1st Floor Area	1,314 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,600 sqft (0.427 acres)
Garage Area	750 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	36 sqft
Deck Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00REE22107
Street Address	415 SPRUCE ST
City	MANHATTAN
State	MT
Zip	59741-2295
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	MOUNTAIN VIEW ADD, S11, T01 N, R03 E, BLOCK 2, LOT 1
Legal Range	03E
Legal Township	01N
Legal Section	11
Legal Subdivision	MOUNTAIN VIEW ADD
Legal Block	2
Legal Lot Number	1
Jurisdiction	GALLATIN MT
Township / Civil Division	MANHATTAN
Census Block Group	4
Census Block	4029
Census Tract	400

Owner

415 Spruce St is owned by an individual who bought it in May 2021.

Source: Gallatin County records, as of September 22, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 412, MANHATTAN, MT 59741-0412
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
May 28, 2021	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Nov 25, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 27, 2018	Joint Tenancy Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Jan 27, 2017	Warranty Deed, Transfer · Conventional Mortgage ROCKY MOUNTAIN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2021 · Amount on File
Deed Sale	May 28, 2021 · Amount on File
Prior Sale	Jul 27, 2018 · Amount on File
Deed Document Number	20212735971
Prior Transfer Date	Jul 20, 2018
Prior Transfer Doc	2620582
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN MT
Recording Date	May 28, 2021
Property Address	415 SPRUCE ST, MANHATTAN, MT 59741-2295
Document Number	2735971
Map Reference	PL D-33-A
Instrument Date	May 27, 2021
Instrument	2735971
Transaction Type	Transfer
Record Updated	Jun 17, 2021
Title Company	AMERICAN TITLE COMPANY, AMERICAN LAND TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1069 WOODLAKE DR, 1069, CARDIFF BY THE SEA, CA 92007-1039

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 SHERIDAN AVE, BOZEMAN, MT 59718-6287

Mortgage

Document Number	2735972
Date	May 28, 2021
Instrument	2735972

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	362 Months
Due	Jul 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	415 SPRUCE ST, MANHATTAN, MT 59741-2295
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2710164
Date	Nov 25, 2020
Instrument	2710164

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	333 Months
Due	Aug 1, 2048

July 2018: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	GALLATIN MT
Recording Date	Jul 27, 2018
Property Address	415 SPRUCE ST, MANHATTAN, MT 59741-2295
Document Number	2620582
Map Reference	PL D-33-A
Instrument Date	Jul 20, 2018
Instrument	2620582
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	AMERICAN TITLE COMPANY, AMERICAN LAND TITLE CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 SPRUCE ST, MANHATTAN, MT 59741-2295
Investor	Possibly a Property Investor

Mortgage

Document Number	2620583
Date	Jul 27, 2018
Instrument	2620583

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN MT
Recording Date	Jan 27, 2017
Property Address	415 SPRUCE ST, MANHATTAN, MT 59741-2295
Document Number	2570504
Map Reference	MB D-33-A
Instrument Date	Jan 27, 2017
Instrument	2570504
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	SECURITY TITLE COMPANY

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
Address	415 SPRUCE ST, MANHATTAN, MT 59741-2295

Mortgage

Document Number	2570505
Date	Jan 27, 2017
Instrument	2570505

Lender

Name	ROCKY MOUNTAIN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 415 Spruce St was $2,904, up 1.6% from the year before.

Source: Gallatin County assessment roll, as of September 22, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Gallatin County
Municipality	Manhattan Town
Elementary School District	Manhattan School (PK - 08)
Secondary School District	Manhattan High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,904.00 (+1.57%)	$647,300 (-)	$647,300 (-) Land $203,816 Building $443,484
2025	$2,859.00	$647,300	$647,300 Land $203,816 Building $443,484
2023	$4,155.00	$601,200	$601,200 Land $184,344 Building $416,856

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 415 Spruce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 30, 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 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 415 Spruce St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Montana
Wildfire Likelihood	0.02% 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	TOWN OF MANHATTAN serves 1,800 people · EPA ID MT0000285
Water Source	Groundwater
Last State Inspection	Mar 2026
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
SkyNet Communications Fixed Wireless	200 / 30

May also be available: T-Mobile.

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