424 Cactus Rd, Helena, MT 59602 Property Records

Lewis And Clark County property record for 424 Cactus Rd, Helena, MT 59602

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,008 sqft · built 1978
Lot Size	1.91 acres (83,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,344 (Dec 2021)
Tax Bill	$2,206 (2026)
Deeds & Mortgages	Aug 2018 Line of Credit Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R0513211`

Property Details

APN / Parcel Number

Primary APN	`R0513211`
Alternative APNs	`05-1995-18-2-04-01-0000` `0000010322`

Interior

Bedrooms	3 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
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	83,200 sqft (1.91 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	314 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000010322
Street Address	424 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 18, COS #275376
Legal Range	03W
Legal Township	11N
Legal Section	18
Legal Subdivision	HOGE SUBDIVISION
Legal Lot Number	18
Jurisdiction	LEWIS AND CLARK MT
Township / Civil Division	LINCOLN
Census Block Group	3
Census Block	3052
Census Tract	200

Owner

Source: Lewis And Clark County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	424 CACTUS RD, HELENA, MT 59602-9310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2018	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Dec 29, 2021	Warranty Deed, Transfer · VA Mortgage OPPORTUNITY BANK OF MT
Oct 7, 2019	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB
Jul 30, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Jul 30, 2018	Quit Claim Deed, Transfer ALLEN ABSTRACT AND TITLE COMPANY, HELENA ABSTRACT & TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2021 · Amount on Record
Deed Sale	Dec 29, 2021 · Amount on Record
Prior Sale	Oct 7, 2019 · Amount on Record
Deed Document Number	20213392162
Deed Book / Page	60 / 4684
Prior Transfer Date	Mar 11, 2021
Prior Transfer Doc	0003392161
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	424 CACTUS RD, HELENA, MT 59602-9310
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M54/6196
Date	Aug 30, 2018
Book Page	M54/6196
Instrument	3326597

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Dec 29, 2021
Property Address	424 CACTUS RD, HELENA, MT 59602-9310
Document Number	00M60/4684
Book / Page	M60 / 4684
Map Reference	DOC 275376
Instrument Date	Dec 28, 2021
Instrument	3392162
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	ALLEN ABSTRACT AND TITLE COMPANY, HELENA ABSTRACT AND 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 with Right of Survivorship

Mortgage

Document Number	0003392163
Date	Dec 29, 2021
Instrument	3392163

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Oct 7, 2019
Property Address	424 CACTUS RD, HELENA, MT 59602-9310
Document Number	00M56/1221
Book / Page	M56 / 1221
Map Reference	DOC 275376
Instrument Date	Oct 3, 2019
Instrument	3344226
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

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 with Right of Survivorship
Address	424 CACTUS RD, HELENA, MT 59602-9310

Mortgage

Document Number	0003344227
Date	Oct 7, 2019
Instrument	3344227

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Jul 30, 2018
Property Address	424 CACTUS RD, HELENA, MT 59602-9310
Document Number	00M54/4846
Book / Page	M54 / 4846
Map Reference	DOC275376
Instrument Date	Jul 24, 2018
Instrument	3324807
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	ALLEN ABSTRACT AND TITLE COMPANY, HELENA ABSTRACT & 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	424 CACTUS RD, HELENA, MT 59602-9310

Mortgage

Document Number	0003324809
Date	Jul 30, 2018
Instrument	3324809

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Jul 30, 2018
Property Address	424 CACTUS RD, HELENA, MT 59602-9310
Document Number	00M54/4847
Book / Page	M54 / 4847
Map Reference	DOC275376
Instrument Date	Jul 24, 2018
Instrument	3324808
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	ALLEN ABSTRACT AND TITLE COMPANY, HELENA ABSTRACT & TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 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	$2,206.00 (+12.32%)	$423,900 (-)
2025	$1,964.00 (-43.51%)	$423,900 (+14.35%)	$423,900 (+14.35%) Land $145,835 Building $278,065
2023	$3,477.00	$370,700	$370,700 Land $91,868 Building $278,832

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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