491 Ridgeway Dr, Lolo, MT 59847 Property Records

Missoula County property record for 491 Ridgeway Dr, Lolo, MT 59847

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,604 sqft · built 2010
Lot Size	0.118 acres (5,140 sqft)
Owner	Individual Name on Record
Last Sale	$451,535 (May 2026)
Tax Bill	$3,456 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0485043`

Property Details

APN / Parcel Number

Primary APN	`R0485043`
Alternative APNs	`04-2092-27-3-18-28-0000` `0004151608`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,604 sqft Living Area
Gross Area	3,213 sqft
1st Floor Area	1,504 sqft
Basement Area	906 sqft
Finished Basement	100 sqft
Unfinished Basement	806 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Townhouse
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,140 sqft (0.118 acres)
View / Lot	Neighborhood
Garage Type	Attached
Garage Area	803 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Account Number	0004151608
Street Address	491 RIDGEWAY DR
City	LOLO
State	MT
Zip	59847-9661
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	LOLO HEIGHTS, S27, T12 N, R20 W, LOT 3
Legal Subdivision	LOLO HEIGHTS
Legal Block	2
Legal Lot Number	3
Jurisdiction	MISSOULA MT
Township / Civil Division	LOLO
Census Block Group	2
Census Block	2013
Census Tract	1502

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3909 US HIGHWAY 93 N, STEVENSVILLE, MT 59870-6495
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK OF MONTANA
May 29, 2026	Warranty Deed, Transfer · Conventional Mortgage OPPORTUNITY BANK/MT
Jun 5, 2017	Warranty Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2026 · Amount on Record
Deed Sale	May 29, 2026 · Amount on Record
Prior Sale	Jun 5, 2017 · Amount on Record
Deed Document Number	20267877
Deed Book / Page	1128 / 1140
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MISSOULA MT
Recording Date	May 29, 2026
Property Address	491 RIDGEWAY DR, LOLO, MT 59847-9661
Document Number	0011281140
Book / Page	1128 / 1140
Instrument Date	May 22, 2026
Instrument	20267877
Transaction Type	Transfer
Record Updated	Aug 25, 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	3909 US HIGHWAY 93 N, STEVENSVILLE, MT 59870-6495

Mortgage

Document Number	0000007878,
Date	May 29, 2026
Instrument	20267878

Lender

Name	BANK OF MONTANA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

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

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MISSOULA MT
Recording Date	May 29, 2026
Property Address	491 RIDGEWAY DR, LOLO, MT 59847-9661
Document Number	0000007877
Book / Page	1128 / 1140
Instrument Date	May 22, 2026
Instrument	20267877
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	3909 US HIGHWAY 93 N, STEVENSVILLE, MT 59870-6495

Mortgage

Document Number	0000007878,
Date	May 29, 2026
Instrument	20267878

Lender

Name	OPPORTUNITY BANK/MT

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MISSOULA MT
Recording Date	Jun 5, 2017
Property Address	491 RIDGEWAY DR, LOLO, MT 59847-9661
Document Number	0009790979
Book / Page	000979
Instrument Date	Jun 5, 2017
Instrument	9521
Transaction Type	Transfer
Record Updated	Jun 19, 2017
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	491 RIDGEWAY DR LOLO MT 598479661, LOLO, MT 59847-9661

Mortgage

Document Number	9790980
Date	Jun 5, 2017
Book Page	000979/000980
Instrument	9522

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 4, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$451,100 (-) Land $106,638 Building $344,462	$451,100 (-) Land $106,638 Building $344,462
2025	$3,456.00 (-4.58%)	$451,100 (+40.44%) Land $106,638 Building $344,462	$451,100 (+40.44%) Land $106,638 Building $344,462
2023	$3,622.00	$321,200	$321,200 Land $83,539 Building $237,661

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 9, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 56% of the US · lower than 67% of Montana
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LOLO WATER AND SEWER DIST serves 3,315 people · EPA ID MT0000278
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	2 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 310 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
CIS Fixed Wireless	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Rocky Mountain Internet, Verizon.

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