417 Cactus Rd, Helena, MT 59602 Property Records

Lewis And Clark County property record for 417 Cactus Rd, Helena, MT 59602

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,176 sqft · built 1978
Lot Size	1.11 acres (48,352 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,792 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2026 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R0512110`

Property Details

APN / Parcel Number

Primary APN	`R0512110`
Alternative APNs	`05-1995-18-2-01-05-0000` `0000009417`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft
Unfinished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	48,352 sqft (1.11 acres)
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000009417
Street Address	417 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 21, COS #275376
Legal Range	03W
Legal Township	11N
Legal Section	18
Legal Subdivision	HOGE SUBDIVISION
Legal Lot Number	21
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	417 CACTUS RD, HELENA, MT 59602-9310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Line of Credit ROCKY MOUNTAIN CREDIT UNION
Jun 5, 2026	Affidavit, Transfer
Jun 5, 2026	Affidavit, Transfer
Oct 2, 2023	Intrafamily Transfer, Transfer
Jul 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST MONTANA BANK INC
Aug 30, 2018	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 20, 2023
Transfer Doc	00M62/5757
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Jul 15, 2026
Property Address	417 CACTUS RD, HELENA, MT 59602-9310
Document Number	0003452504
Book / Page	65 / 5953
Instrument Date	Jul 10, 2026
Instrument	20263452504
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	417 CACTUS RD, HELENA, MT 59602-9310

Mortgage

Document Number	0003452504,
Date	Jul 15, 2026
Book Page	65/5953
Instrument	20263452504

Lender

Name	ROCKY MOUNTAIN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 28, 2041

Interest

Rate	5.84%
Max Rate	-1%

June 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Jun 5, 2026
Property Address	417 CACTUS RD, HELENA, MT 59602-9310
Document Number	0003451008
Book / Page	65 / 4633
Instrument Date	Jun 5, 2026
Instrument	20263451008
Transaction Type	Transfer
Record Updated	Aug 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

June 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Jun 5, 2026
Property Address	417 CACTUS RD, HELENA, MT 59602-9310
Document Number	0003451007
Book / Page	65 / 4632
Instrument Date	Jun 5, 2026
Instrument	20263451007
Transaction Type	Transfer
Record Updated	Aug 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 CACTUS RD, HELENA, MT 59602-9310

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Oct 2, 2023
Property Address	417 CACTUS RD, HELENA, MT 59602-9310
Document Number	00M62/5757
Book / Page	M62 / 5757
Map Reference	DOC 275376
Instrument Date	Sep 20, 2023
Instrument	3416432
Transaction Type	Transfer
Record Updated	Oct 20, 2023

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	417 CACTUS RD, HELENA, MT 59602-9310

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	417 CACTUS RD, HELENA, MT 59602-9310
Transaction Type	Mortgage
Record Updated	Aug 3, 2022
Title Company	HELENA ABSTRACT & TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M61/2877
Date	Jul 20, 2022
Book Page	M61/2877
Instrument	3401048

Lender

Name	FIRST MONTANA BANK INC
Type	Bank
Address	MISSOULA, MT 59802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Aug 30, 2018
Property Address	417 CACTUS RD, HELENA, MT 59602-9310
Document Number	M54/6193
Book / Page	M54 / 6193
Map Reference	DOC275376
Instrument Date	Aug 29, 2018
Instrument	3326587
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	417 CACTUS RD, HELENA, MT 59602-9310

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	$1,792.00 (+12.35%)	$353,400 (-)
2025	$1,595.00 (-41.94%)	$353,400 (+20.66%)	$353,400 (+20.66%) Land $129,435 Building $223,965
2023	$2,747.00	$292,900	$292,900 Land $88,028 Building $204,872

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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