Jefferson County property record for 45 Bay Rd, Whitehall, MT 59759
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 2 ba · 2,400 sqft · built 2003 |
| Lot Size | 20 acres (872,507 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $93,800 (Nov 2013) |
| Tax Bill | $2,014 (2026) |
| Deeds & Mortgages | Sep 2022 Second Mortgage Nov 2020 Line of Credit |
| APN | R518881 |
| Primary APN | R518881 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,400 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| 2nd Floor Area | 960 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Modern |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 872,507 sqft (20 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 2,400 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Slab |
| Porch Area | 132 sqft |
| Deck Area | 190 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000004517 |
|---|---|
| Street Address | 45 BAY RD |
| City | WHITEHALL |
| State | MT |
| Zip | 59759-8645 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PIPESTONE TWO, S02, T01 N, R06 W, LOT 58, ACRES 20.03, COS 142381 F308A |
| Legal Range | 06W |
| Legal Township | 01N |
| Legal Section | 02 |
| Legal Subdivision | PIPESTONE TWO |
| Legal Tract | 58 |
| Legal Lot Number | 58 |
| Jurisdiction | JEFFERSON MT |
| Township / Civil Division | WHITEHALL |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 962300 |
45 Bay Rd, a rural home, is owned and occupied by two individuals who bought it in November 2013.
Source: Jefferson County records, as of September 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 BAY RD, WHITEHALL, MT 59759-8645 |
| 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.
| Date | Document |
|---|---|
| Sep 27, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKY MOUNTAIN CU |
| Nov 12, 2020 | Deed of Trust, Mortgage · Line of Credit SOVEREIGN LENDING GROUP INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 2013 · Amount on File |
| Deed Sale | Nov 1, 2013 · Amount on File |
| Deed Document Number | 2013250479 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON MT |
| Property Address | 45 BAY RD, WHITEHALL, MT 59759-8645 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000283984 |
|---|---|
| Date | Sep 27, 2022 |
| Instrument | 283984 |
| Name | ROCKY MOUNTAIN CU |
|---|---|
| Type | Credit Union |
| Address | BOZEMAN, MT 59718 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 28, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON MT |
| Property Address | 45 BAY RD, WHITEHALL, MT 59759-8645 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 275764 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 275764 |
| Name | SOVEREIGN LENDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | COSTA MESA, CA 92626 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 45 Bay Rd was $2,014, down 14.6% from the year before.
Source: Jefferson County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Jefferson County |
| Elementary School District | Whitehall Elementary School District (PK - 08) |
| Secondary School District | Whitehall High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,014.00 (-14.55%) | $525,658 (-) | |
| 2025 | $2,357.00 | $525,658 | $525,658 Land $62,648 Building $463,010 |
| 2023 | $2,962.00 | $455,500 | $455,500 Land $39,010 Building $416,490 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 45 Bay Rd; 1 flood insurance policy is in force nearby.
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 | 1 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 45 Bay Rd is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 63% of Montana |
|---|---|
| Wildfire Likelihood | 0.2% 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 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
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