Missoula County property record for 4443 Gardner Ln, Florence, MT 59833
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,128 sqft · built 1982 |
| Lot Size | 20 acres (874,685 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $561 (2025) |
| Deeds & Mortgages | May 2017 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | R049665 |
| Primary APN | R049665 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,128 sqft Living Area |
| Gross Area | 2,208 sqft |
| 1st Floor Area | 1,064 sqft |
| 2nd Floor Area | 1,064 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 874,685 sqft |
| View / Lot | Rural |
| Garage Type | Detached |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 516 sqft |
| Lean-To | 576 sqft |
| Pole Barn | 900 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0006004419 |
|---|---|
| Street Address | 4443 GARDNER LN |
| City | FLORENCE |
| State | MT |
| Zip | 59833-6734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 8 |
| Legal Description | S23, T11 N, R20 W, C.O.S. 1578, PARCEL 6, IN N2 SE4 E OF R/W |
| Legal Subdivision | CERTIFICATE/SURV 1578 06 |
| Legal Tract | 6 |
| Legal Block | 3 |
| Legal Lot Number | 6 |
| Jurisdiction | MISSOULA MT |
| Township / Civil Division | LOLO |
| Census Block Group | 3 |
| Census Block | 3038 |
| Census Tract | 1502 |
4443 Gardner Ln is owned and occupied by two individuals.
Source: Missoula County records, as of September 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4443 GARDNER LN, FLORENCE, MT 59833-6734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
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 |
|---|---|
| May 16, 2017 | Deed of Trust, Mortgage · ARM MOUNT OLYMPUS MORTGAGE CO |
| Mar 5, 2020 | Deed of Trust, Mortgage · VA Mortgage DATA MORTGAGE INC |
| Jan 13, 2021 | Deed of Trust, Mortgage · VA Mortgage DATA MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 4443 GARDNER LN, FLORENCE, MT 59833-6734 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0009781070 |
|---|---|
| Date | May 16, 2017 |
| Book Page | 978/1070 |
| Instrument | 201708212 |
| Name | MOUNT OLYMPUS MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Jun 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 4443 GARDNER LN, FLORENCE, MT 59833-6734 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0010270102 |
|---|---|
| Date | Mar 5, 2020 |
| Book Page | 1027/102 |
| Instrument | 202004272 |
| Name | DATA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92868 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 4443 GARDNER LN, FLORENCE, MT 59833-6734 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WESTERN TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0010470960 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 1047/960 |
| Instrument | 202101230 |
| Name | DATA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92868 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 4443 Gardner Ln was $561.
Source: Missoula County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Missoula County |
| Unified School District | Florence-Carlton K-12 Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $386,344 (-) Land $10,034 Building $376,310 | $386,344 (-) Land $10,034 Building $376,310 | |
| 2025 | $561.00 | $386,344 | $386,344 Land $10,034 Building $376,310 |
| 2023 | $1,421.00 | $333,610 | $333,610 Land $10,120 Building $323,490 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4443 Gardner Ln in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 17 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 4443 Gardner Ln is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 47% of Montana |
|---|---|
| Wildfire Likelihood | 0.3% 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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CIS Fixed Wireless | 1,000 / 1,000 |
| Rocky Mountain Internet Fixed Wireless | 350 / 100 |
| Grizzly Broadband Fixed Wireless | 32 / 32 |
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