Lewis And Clark County property record for 4327 Gemstone Ln, Helena, MT 59602
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,164 sqft · built 2022 |
| Lot Size | 1.23 acres (53,927 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $639,730 (Apr 2026) |
| Tax Bill | $3,307 (2026) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone D (undetermined) |
| APN | R0536851 |
| Primary APN | R0536851 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,164 sqft Living Area |
| 1st Floor Area | 2,164 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 53,927 sqft (1.23 acres) |
| Garage Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 207 sqft |
| Deck Area | 361 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000039424 |
|---|---|
| Street Address | 4327 GEMSTONE LN |
| City | HELENA |
| State | MT |
| Zip | 59602-6082 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EMERALD RIDGE SUBD, S32, T11 N, R02 W, LOT 29, COS #3108407 |
| Legal Range | 02W |
| Legal Township | 11N |
| Legal Section | 32 |
| Legal Subdivision | EMERALD RIDGE SUBD |
| Legal Lot Number | 29 |
| Jurisdiction | LEWIS AND CLARK MT |
| Township / Civil Division | HELENA |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 1202 |
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 | 4327 GEMSTONE LN, HELENA, MT 59602-6082 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 20, 2026 | Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Jan 19, 2022 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2026 · Amount on Record |
| Deed Sale | Apr 20, 2026 · Amount on Record |
| Prior Sale | Jan 19, 2022 · Amount on Record |
| Deed Document Number | 20263449246 |
| Deed Book / Page | 65 / 3124 |
| Prior Transfer Date | Mar 10, 2008 |
| Prior Transfer Doc | 00M38/0653 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEWIS AND CLARK MT |
| Recording Date | Apr 20, 2026 |
| Property Address | 4327 GEMSTONE LN, HELENA, MT 59602-6082 |
| Document Number | 0003449246 |
| Book / Page | 65 / 3124 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 2026.3449246 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2026 |
| Title Company | FLYING S TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4327 GEMSTONE LN, HELENA, MT 59602-6082 |
| Document Number | 0003449246, |
|---|---|
| Date | Apr 20, 2026 |
| Book Page | 65/3126 |
| Instrument | 2026.3449246 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEWIS AND CLARK MT |
| Recording Date | Jan 19, 2022 |
| Property Address | 4327 GEMSTONE LN, HELENA, MT 59602-6082 |
| Document Number | 00M60/5522 |
| Book / Page | M60 / 5522 |
| Instrument Date | Jan 18, 2022 |
| Instrument | 3393068 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2023 |
| Title Company | FIRST MONTANA LAND TITLE COMPANY, FIRST MONTANA LAND TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 0003393069 |
|---|---|
| Date | Jan 19, 2022 |
| Instrument | 3393069 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
Source: Lewis And Clark County assessment roll, as of September 11, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,307.00 (+4.12%) | $629,600 (-) | |
| 2025 | $3,176.00 (-34.37%) | $629,600 (+17.7%) | $629,600 (+17.7%) Land $67,152 Building $562,448 |
| 2023 | $4,839.00 | $534,900 | $534,900 Land $45,799 Building $489,101 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 7, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone D undetermined · not studied |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Mar 1978 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 88% of Montana |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Montana Internet Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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