Missoula County property record for 430 E Spruce St, Missoula, MT 59802
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,723 sqft · built 1920 |
| Lot Size | 0.029 acres (1,263 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $372,400 (Sep 2025) |
| Tax Bill | $1,754 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Jul 2020 Reverse Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R0467487 |
| Primary APN | R0467487 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,723 sqft Living Area |
| 1st Floor Area | 1,219 sqft |
| 2nd Floor Area | 504 sqft |
| Family Room | Family Room |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 1,263 sqft (0.029 acres) |
| Lot Dimensions | 32 ft deep x 40 ft wide |
| View / Lot | Neighborhood |
| Porch | Open Frame Porch |
| Porch Area | 24 sqft |
| Deck Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0002018509 |
|---|---|
| Street Address | 430 E SPRUCE ST |
| City | MISSOULA |
| State | MT |
| Zip | 59802-4604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Description | CP HIGGINS, S22, T13 N, R19 W, BLOCK Q, LOT 18 - 19, FRAC E2 OF LOT 18 & FRAC OF 19 |
| Legal Range | 19W |
| Legal Township | 13N |
| Legal Section | 22 |
| Legal Subdivision | CP HIGGINS |
| Legal Block | Q |
| Legal Lot Number | 18-19 |
| Jurisdiction | MISSOULA MT |
| Township / Civil Division | MISSOULA |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Missoula Downtown Historic District listed 2009 · 380 contributing resources · NRIS 07000647 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
430 E Spruce St is owned by two individuals who bought it in September 2025.
Source: Missoula County records, as of September 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10850 HORSEBACK RIDGE RD, MISSOULA, MT 59804-5861 |
| Owner Type | Individual |
| Vesting | Tenants in Common |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 26, 2025 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 21, 2020 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Jul 15, 2020 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2025 · Amount on File |
| Deed Sale | Sep 26, 2025 · Amount on File |
| Prior Sale | May 16, 2014 |
| Deed Document Number | 202516076 |
| Deed Book / Page | 1119 / 664 |
| Prior Transfer Date | May 13, 2014 |
| Prior Transfer Doc | 0009280765 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MISSOULA MT |
| Recording Date | Sep 26, 2025 |
| Property Address | 430 E SPRUCE ST, MISSOULA, MT 59802-4604 |
| Document Number | 0011190664 |
| Book / Page | 1119 / 664 |
| Instrument Date | Sep 26, 2025 |
| Instrument | 202516076 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2025 |
| Title Company | TITLE SERVICES, INC., TITLE SERVICES INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 10850 HORSEBACK RIDGE RD, MISSOULA, MT 59804-5861 |
| Document Number | 0202516077 |
|---|---|
| Date | Sep 26, 2025 |
| Instrument | 202516077 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.1% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 430 E SPRUCE ST, MISSOULA, MT 59802-4604 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0010341094 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | 1034/1094 |
| Instrument | 202015064 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92868 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 906 Months |
| Due | Jan 22, 2096 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.73% |
| Type Change Date | Aug 1, 2021 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 430 E SPRUCE ST, MISSOULA, MT 59802-4604 |
| Document Number | 0010341095 |
| Instrument Date | Jul 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 430 E SPRUCE ST MISSOULA MT 598024604, MISSOULA, MT 59802-4604 |
| Document Number | 0010341095 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | 001034/001095 |
| Instrument | 15065 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 912 Months |
| Due | Jul 20, 2096 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.73% |
The 2025 property tax bill for 430 E Spruce St was $1,754.
Source: Missoula County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Missoula County |
| Municipality | Missoula City |
| Secondary School District | Missoula High School District (09 - 12) |
| Elementary School District | Missoula Elementary School District (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $421,600 (+0.12%) Land $123,994 Building $297,606 | $421,600 (+0.12%) Land $123,994 Building $297,606 | |
| 2025 | $1,754.00 | $421,100 | $421,100 Land $123,994 Building $297,106 |
| 2023 | $2,377.00 | $358,278 | $358,278 Land $89,038 Building $269,240 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 430 E Spruce St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 9, 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 7 (15% premium discount) |
| Nearby Flood Policies | 2 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 risk around 430 E Spruce St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 88% of Montana |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MISSOULA WATER serves 68,200 people · EPA ID MT0000294 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 260 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 |
| CIS Fixed Wireless | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Blackfoot Telephone Cooperative, Western Montana CommunityTel.
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