Missoula County property record for 5074 Gardner Ln, Florence, MT 59833
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,176 sqft · built 1991 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $6,025 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Sep 2018 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | R0496647 |
| Primary APN | R0496647 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,176 sqft Living Area |
| Gross Area | 3,752 sqft |
| 1st Floor Area | 2,032 sqft |
| 2nd Floor Area | 1,144 sqft |
| Family Room | Family Room |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 435,600 sqft |
| View / Lot | Rural |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 215 sqft |
| Deck Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 0006004384 |
|---|---|
| Street Address | 5074 GARDNER LN |
| City | FLORENCE |
| State | MT |
| Zip | 59833-6741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 8 |
| Legal Description | S23, T11 N, R20 W, C.O.S. 3525, PARCEL 3B, IN N2 SE4 NE4 |
| Legal Range | 20W |
| Legal Township | 11N |
| Legal Section | 23 |
| Legal Subdivision | CERTIFICATE/SURV 3525 03-B |
| Legal Tract | 3B |
| Legal Block | 3 |
| Legal Lot Number | 3B |
| Jurisdiction | MISSOULA MT |
| Township / Civil Division | LOLO |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 1502 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5074 GARDNER LN, FLORENCE, MT 59833-6741 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 9, 2023 | Deed of Trust, Mortgage · Unknown FIRST INTERSTATE BANK |
| Sep 17, 2018 | Deed of Trust, Mortgage · Commercial Mortgage FIRST INTERSTATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 5074 GARDNER LN, FLORENCE, MT 59833-6741 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5074 GARDNER LN, FLORENCE, MT 59833-6741 |
| Document Number | 0010911167 |
|---|---|
| Date | Aug 9, 2023 |
| Book Page | 1091/1167 |
| Instrument | 202309674 |
| Name | FIRST INTERSTATE BANK |
|---|---|
| Type | Bank |
| Address | MISSOULA, MT 59806 |
| Type | Unknown |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 5074 GARDNER LN, FLORENCE, MT 59833-6741 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0010030104 |
|---|---|
| Date | Sep 17, 2018 |
| Book Page | 1003/0104 |
| Instrument | 201816688 |
| Name | FIRST INTERSTATE BANK |
|---|---|
| Type | Bank |
| Address | MISSOULA, MT 59804 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 7, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $970,400 (-) Land $348,000 Building $622,400 | $970,400 (-) Land $348,000 Building $622,400 | |
| 2025 | $6,025.00 (-0.51%) | $970,400 (+22.51%) | $970,400 (+22.51%) Land $348,000 Building $622,400 |
| 2023 | $6,056.00 | $792,100 | $792,100 Land $192,500 Building $599,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 45% 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 3 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 |
May also be available: T-Mobile.
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