427 Spokane Ave, Troy, MT 59935 Property Records

Lincoln County property record for 427 Spokane Ave, Troy, MT 59935

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,911 sqft · built 1997
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on Record
Last Sale	$208,477 (Feb 2022)
Tax Bill	$2,955 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Nov 2017 Mortgage
APN	`R564521`

Property Details

APN / Parcel Number

Primary APN	`R564521`
Alternative APNs	`56-4280-12-3-05-01-0000` `0000004063`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,911 sqft Living Area
1st Floor Area	1,092 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	6,229 sqft (0.143 acres)
Deck Area	12 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000004063
Street Address	427 SPOKANE AVE
City	TROY
State	MT
Zip	59935-7727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST TROY 3RD ADDN, S12, T31 N, R34 W, BLOCK 3, LOT 1
Legal Range	34W
Legal Township	31N
Legal Section	12
Legal Subdivision	WEST TROY 3RD ADDN
Legal Block	3
Legal Lot Number	1
Jurisdiction	LINCOLN MT
Township / Civil Division	TROY
Census Block Group	1
Census Block	1046
Census Tract	500

Owner

Source: Lincoln County records, as of September 9, 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	427 SPOKANE AVE, TROY, MT 59935-7727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2022	Warranty Deed, Transfer · Conventional Mortgage LENDUS LLC
Nov 6, 2017	Intrafamily Transfer, Transfer · Commercial Mortgage PARK SIDE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2022 · Amount on Record
Deed Sale	Feb 4, 2022 · Amount on Record
Prior Sale	Nov 6, 2017 · Amount on Record
Deed Document Number	2022298783
Deed Book / Page	395 / 7
Prior Transfer Date	Oct 30, 2017
Prior Transfer Doc	000369/892
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MT
Recording Date	Feb 4, 2022
Property Address	427 SPOKANE AVE, TROY, MT 59935-7727
Document Number	00000395/7
Book / Page	395 / 7
Instrument Date	Feb 2, 2022
Instrument	298783
Transaction Type	Transfer
Record Updated	Aug 14, 2023
Title Company	KOOTENAI COUNTY TITLE, KOOTENAI COUNTRY 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	108 E 9TH ST # 13, 13, LIBBY, MT 59923-2012

Mortgage

Document Number	0000298784
Date	Feb 4, 2022
Instrument	298784

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

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

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MT
Recording Date	Nov 6, 2017
Property Address	427 SPOKANE AVE, TROY, MT 59935-7727
Document Number	000369/892
Book / Page	369 / 892
Instrument Date	Oct 30, 2017
Instrument	271381
Transaction Type	Transfer
Record Updated	Aug 14, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 E SPOKANE AVE, TROY, MT 59935-7727

Mortgage

Document Number	0000271382
Date	Nov 6, 2017
Instrument	271382

Lender

Name	PARK SIDE CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of September 9, 2026

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
2026	$2,955.00 (+169.13%)	$236,300 (-)
2025	$1,098.00 (-52.59%)	$236,300 (+10.21%)	$236,300 (+10.21%) Land $59,188 Building $177,112
2023	$2,316.00	$214,400	$214,400 Land $17,313 Building $197,087

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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