432 Willow Rd, Libby, MT 59923 Property Records

Lincoln County property record for 432 Willow Rd, Libby, MT 59923

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,400 sqft · built 2020
Lot Size	4.01 acres (174,676 sqft)
Owner	2 Individual Names on File
Last Sale	$187,500 (Oct 2021)
Tax Bill	$793 (2026)
Deeds & Mortgages	Jan 2021 Construction Loan Oct 2021 Mortgage + 1 more
APN	`R562715`

Property Details

APN / Parcel Number

Primary APN	`R562715`
Alternative APNs	`56-4175-34-2-01-19-0000` `0000002372`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,400 sqft Living Area
1st Floor Area	2,400 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	174,676 sqft (4.01 acres)
Garage Type	Detached
Garage Area	2,368 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	480 sqft
Shed	1 Shed
Shed Area	80 sqft
Pole Barn	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000002372
Street Address	432 WILLOW RD
City	LIBBY
State	MT
Zip	59923-9269
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S34, T30 N, R31 W, C.O.S. 4691, PARCEL B, ACRES 4.01, IN SWSE
Legal Range	31W
Legal Township	30N
Legal Section	34
Legal Subdivision	CERTIFICATE OF SURVEY NO 4691RB
Jurisdiction	LINCOLN MT
Township / Civil Division	LIBBY
Census Block Group	3
Census Block	3027
Census Tract	100

Owner

432 Willow Rd is owned and occupied by two individuals who bought it in October 2021.

Source: Lincoln County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	432 WILLOW RD, LIBBY, MT 59923-9269
Occupancy	Owner Occupied
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
Jan 15, 2021	Deed of Trust, Mortgage · Construction Mortgage FIRST MONTANA BANK INC
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST MONTANA BANK INC
Oct 22, 2021	Affidavit, Transfer FIRST AMERICAN TITLE - LIBBY, FIRST AMERICAN TITLE LIBBY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2021 · Amount on File
Deed Sale	Oct 22, 2021 · Amount on File
Deed Document Number	2021296818
Deed Book / Page	393 / 175
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Property Address	432 WILLOW RD, LIBBY, MT 59923-9269
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	329 NO CREEK RD, LIBBY, MT 59923-4001

Mortgage

Document Number	000387/262
Date	Jan 15, 2021
Book Page	387/262
Instrument	290588

Lender

Name	FIRST MONTANA BANK INC
Type	Bank
Address	LIBBY, MT 59923

Agreement

Type	Construction Mortgage
Amount	Amount on Record

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Property Address	432 WILLOW RD, LIBBY, MT 59923-9269
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000393/174
Date	Oct 22, 2021
Book Page	393/174
Instrument	296817

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

October 2021: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	LINCOLN MT
Recording Date	Oct 22, 2021
Property Address	432 WILLOW RD, LIBBY, MT 59923-9269
Document Number	000393/175
Book / Page	393 / 175
Instrument Date	Oct 15, 2021
Instrument	296818
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	FIRST AMERICAN TITLE - LIBBY, FIRST AMERICAN TITLE LIBBY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 432 Willow Rd was $793 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Montana
County	Lincoln County
Unified School District	Libby K-12 Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$793.00 Homeowner's exemption	$538,300
2025			$538,300 Land $111,263 Building $427,037
2023	$3,043.00	$434,300	$434,300 Land $54,045 Building $380,255

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

Flood

FEMA has no flood map on file for 432 Willow Rd; there have been 2 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1996)
Most Recent Claim	Feb 1996 · Severe Storms, Flooding, And Ice Jams
Claims by Event	Severe Storms, Flooding, And Ice Jams, Feb 1996 · 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

Wildfire risk around 432 Willow Rd is high, ranking above 80% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 80% of the US · above 70% of Montana
Wildfire Likelihood	0.6% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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