478 E 3rd St, Lovell, WY 82431 Property Records

Big Horn County property record for 478 E 3rd St, Lovell, WY 82431 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,322 sqft · built 1948
Lot Size	0.131 acres (5,700 sqft)
Owner	2 Individual Names on File
Last Sale	$205,778 (Apr 2026)
Tax Bill	$935 (2025)
Deeds & Mortgages	Oct 2016 Reverse Mortgage Jul 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-02-017-00186`

Property Details

APN / Parcel Number

Primary APN	`03-02-017-00186`
Alternative APNs	`56961421000503` `R0006225`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,322 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,700 sqft (0.131 acres)
Lot Dimensions	100 ft deep x 57 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	297 sqft
Deck Area	20 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R0006225
Street Address	478 E 3RD ST
City	LOVELL
State	WY
Zip	82431-2115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	57X100' BEG 57' W NE COR 2 2 STR A SD86-1735/SD107-914
Legal Subdivision	STRONG A
Legal Block	2
Legal Lot Number	2
Jurisdiction	BIG HORN WY
Township / Civil Division	NORTH BIG HORN
Census Block Group	2
Census Block	2054
Census Tract	962800

Owner

Source: Big Horn County records · APN 03-02-017-00186

Assessment roll updated July 10, 2026 · Last verified July 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 File
Mailing Address	478 E 3RD ST, LOVELL, WY 82431-2115
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2016	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jul 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF WYOMING
Apr 21, 2026	Warranty Deed, Transfer · FHA Mortgage FIRST STATE BANK OF WYOMING
Jun 08, 2011	Intrafamily Transfer, Transfer
Jul 27, 2007	Warranty Deed, Transfer · Conventional Mortgage YELLOWSTONE FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 21, 2026 · Amount on Record
Deed Sale	Apr 21, 2026 · Amount on Record
Prior Sale	Oct 28, 2021
Deed Document Number	20261181162
Deed Book / Page	182 / 1337
Record Updated	Sep 20, 2026

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIG HORN WY
Property Address	478 E 3RD ST, LOVELL, WY 82431-2115
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00133/1374
Date	Oct 17, 2016
Book Page	0133/1374
Instrument	1080002

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.8%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 01, 2017
Change Frequency	Annually
Index	1-Year LIBOR
Margin	2
Max Rate	9.8%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIG HORN WY
Recording Date	Jul 17, 2026
Property Address	478 E 3RD ST, LOVELL, WY 82431-2115
Document Number	0001183880
Book / Page	184 / 221
Instrument Date	May 06, 2026
Instrument	20261183880
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 E 3RD ST, LOVELL, WY 82431-2115

Mortgage

Document Number	0001183880,
Date	Jul 17, 2026
Book Page	184/221
Instrument	20261183880

Lender

Name	FIRST STATE BANK OF WYOMING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.37%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BIG HORN WY
Recording Date	Apr 21, 2026
Property Address	478 E 3RD ST, LOVELL, WY 82431-2115
Document Number	0001181162
Book / Page	182 / 1337
Instrument Date	Apr 20, 2026
Instrument	2026.1181162
Transaction Type	Transfer
Record Updated	May 04, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	478 E 3RD ST, LOVELL, WY 82431-2115

Mortgage

Document Number	0001181163,
Date	Apr 21, 2026
Instrument	2026.1181163

Lender

Name	FIRST STATE BANK OF WYOMING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate	6%
Max Rate	-1%

Mortgage

Document Number	0001181164,
Date	Apr 21, 2026
Book Page	182/1358
Instrument	2026.1181164

Lender

Name	FIRST STATE BANK OF WYOMING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	10 Months
Due	May 01, 2036

Interest

Rate	6%
Max Rate	-1%

June 2011: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BIG HORN WY
Recording Date	Jun 08, 2011
Property Address	478 E 3RD ST, LOVELL, WY 82431-2115
Document Number	00107/0914
Book / Page	0107 / 0914
Instrument Date	Jan 07, 2011
Instrument	1016904
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 E 3RD ST, LOVELL, WY 82431-2115

July 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BIG HORN WY
Recording Date	Jul 27, 2007
Property Address	478 E 3RD ST, LOVELL, WY 82431-2115
Document Number	00086/1735
Book / Page	0086 / 1735
Instrument Date	Jul 27, 2007
Instrument	0972607
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	00000

Mortgage

Document Number	0000972608
Date	Jul 27, 2007
Instrument	0972608

Lender

Name	YELLOWSTONE FCU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 01, 2027

Tax Assessment & Valuation

Source: Big Horn County records · Assessment roll updated July 10, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Wyoming
County	Big Horn County
Municipality	Lovell Town
Unified School District	Big Horn County School District 2 (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$16,646 (+37.94%) Land $3,147 Building $13,499	$190,256 (+11.62%) Land $45,059 Building $145,197
2025	$935.00 (-22.34%)	$12,068 (-17.74%) Land $2,269 Building $9,799	$170,446 (+10.38%) Land $33,682 Building $136,764
2024	$1,204.00 (+29.88%)
2023		$14,670 Land $2,316 Building $12,354	$154,412 Land $24,375 Building $130,037
2022	$927.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Big Horn County (56003C), updated November 4, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 560039628002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 181 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
BHT Holdings	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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