4570 Whitewater, Bonner, MT 59823 Property Records

Missoula County property record for 4570 Whitewater, Bonner, MT 59823

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,004 sqft · built 1979
Lot Size	0.148 acres (6,447 sqft)
Owner	2 Individual Names on File
Last Sale	$481,012 (Aug 2026)
Tax Bill	$2,656 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2018 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R0491274`

Property Details

APN / Parcel Number

Primary APN	`R0491274`
Alternative APNs	`04-2202-02-4-01-19-0000` `0005840008` `5840008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,004 sqft Living Area
Gross Area	2,516 sqft
1st Floor Area	1,002 sqft
Basement Area	1,002 sqft
Finished Basement	1,002 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	6,447 sqft (0.148 acres)
View / Lot	Rural
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	80 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0005840008
Street Address	4570 WHITEWATER
City	BONNER
State	MT
Zip	59823-9400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITEWATER PARK, S02, T13 N, R17 W, LOT 7
Legal Subdivision	WHITEWATER PARK
Legal Block	2
Legal Lot Number	7
Jurisdiction	MISSOULA MT
Township / Civil Division	MISSOULA
Census Block Group	2
Census Block	2001
Census Tract	1402

Owner

4570 Whitewater is owned by two individuals who bought it in August 2026.

Source: Missoula County records, as of September 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4885 SEVILLA WAY, CARLSBAD, CA 92008-3816
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
Aug 14, 2026	Warranty Deed, Transfer · Conventional Mortgage LOAN STORE
Aug 16, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 18, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 11, 2017	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2026 · Amount on File
Deed Sale	Aug 14, 2026 · Amount on File
Prior Sale	Feb 28, 2003
Deed Document Number	202612856
Deed Book / Page	1132 / 519
Prior Transfer Date	Aug 13, 2018
Prior Transfer Doc	0010010528
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MISSOULA MT
Recording Date	Aug 14, 2026
Property Address	4570 WHITEWATER, BONNER, MT 59823-9400
Document Number	0000012856
Book / Page	1132 / 519
Instrument Date	Aug 11, 2026
Instrument	202612856
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	TITLE SERVICES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4885 SEVILLA WAY, CARLSBAD, CA 92008-3816

Mortgage

Document Number	0000012857,
Date	Aug 14, 2026
Book Page	1132/520
Instrument	202612857

Lender

Name	LOAN STORE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MISSOULA MT
Recording Date	Aug 16, 2018
Property Address	4570 WHITEWATER, POTOMAC, MT 59823-9400
Document Number	0010010528
Book / Page	001001 / 000528
Instrument Date	Aug 15, 2018
Instrument	14312
Transaction Type	Transfer
Record Updated	Aug 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4570 WHITEWATER BONNER MT 598239400, BONNER, MT 59823-9400

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MISSOULA MT
Recording Date	Apr 18, 2017
Property Address	4570 WHITEWATER, POTOMAC, MT 59823-9400
Document Number	0009770792
Book / Page	000977 / 000792
Instrument Date	Apr 14, 2017
Instrument	6534
Transaction Type	Transfer
Record Updated	Apr 26, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4580 WHITEWATER POTOMAC MT 598239400, POTOMAC, MT 59823-9400

April 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MISSOULA MT
Recording Date	Apr 11, 2017
Property Address	4570 WHITEWATER, POTOMAC, MT 59823-9400
Document Number	0009770337
Book / Page	000977 / 000337
Instrument Date	Apr 10, 2017
Instrument	6079
Transaction Type	Transfer
Record Updated	Apr 19, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209070 MT HWY 200 E BONNER MT 59823, BONNER, MT 59823

Tax Assessment & Valuation

The 2025 property tax bill for 4570 Whitewater was $2,656, down 21.7% from the year before.

Source: Missoula County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Missoula County
Secondary School District	Missoula High School District (09 - 12)
Elementary School District	Potomac Elementary School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$438,900 (-) Land $58,852 Building $380,048	$438,900 (-) Land $58,852 Building $380,048
2025	$2,656.00 (-21.72%)	$438,900 Land $58,852 Building $380,048	$438,900 Land $58,852 Building $380,048
2024	$3,393.00 (-0.76%)
2023	$3,419.00	$378,400	$378,400 Land $58,873 Building $319,527

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

Flood

FEMA maps place 4570 Whitewater in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 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

Wildfire risk around 4570 Whitewater is high, ranking above 82% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 82% of the US · above 74% of Montana
Wildfire Likelihood	0.5% annual chance
Exposure	None beyond ember reach

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Blackfoot Telephone Cooperative DSL	10 / 1

May also be available: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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