515 Stephens Ave, Missoula, MT 59801 Property Records

Missoula County property record for 515 Stephens Ave, Missoula, MT 59801

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,658 sqft · built 1935
Lot Size	0.119 acres (5,184 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Apr 2016)
Tax Bill	$5,287 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R0456851`

Property Details

APN / Parcel Number

Primary APN	`R0456851`
Alternative APNs	`04-2200-28-1-33-06-0000` `0001096854` `1096854`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,658 sqft Living Area
Gross Area	2,786 sqft
1st Floor Area	1,232 sqft
Attic	Attic
Attic Area	426 sqft
Basement Area	1,064 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,184 sqft (0.119 acres)
Lot Dimensions	130 ft deep x 40 ft wide
View / Lot	Neighborhood
Porch	Enclosed Frame Porch
Porch Area	232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0001096854
Street Address	515 STEPHENS AVE
City	MISSOULA
State	MT
Zip	59801-3813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	SOUTH MISSOULA, S28, T13 N, R19 W, BLOCK 34, LOT 21, & S 10 OF 22
Legal Range	19W
Legal Township	13N
Legal Section	28
Legal Subdivision	SOUTH MISSOULA
Legal Block	34
Legal Lot Number	21
Jurisdiction	MISSOULA MT
Township / Civil Division	MISSOULA
Census Block Group	2
Census Block	2017
Census Tract	1100

Owner

515 Stephens Ave is owned and occupied by two individuals who bought it in April 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	515 STEPHENS AVE, MISSOULA, MT 59801-3813
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2016 · Amount on File
Deed Sale	Apr 20, 2016 · Amount on File
Prior Sale	Mar 12, 2008 · Amount on File
Deed Document Number	20165916
Deed Book / Page	960 / 144
Prior Transfer Date	Mar 7, 2008
Prior Transfer Doc	0008140897
Record Updated	Oct 29, 2026

February 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MISSOULA MT
Recording Date	Feb 11, 2022
Property Address	515 STEPHENS AVE, MISSOULA, MT 59801-3813
Document Number	0010710624
Book / Page	1071 / 624
Instrument Date	Feb 3, 2022
Instrument	202202666
Transaction Type	Transfer
Record Updated	Feb 23, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 W BECKWITH ST W, 105, MISSOULA, MT 59801-3828

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202202703
Date	Feb 11, 2022
Instrument	202202703

Lender

Name	CLEARWATER FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 515 Stephens Ave was $5,287, down 0.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$581,800 (-) Land $217,880 Building $363,920	$581,800 (-) Land $217,880 Building $363,920
2025	$5,287.00 (-0.06%)	$581,800 Land $217,880 Building $363,920	$581,800 Land $217,880 Building $363,920
2024	$5,290.00 (+6.05%)
2023	$4,988.00	$417,300	$417,300 Land $153,660 Building $263,640

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

Flood

FEMA maps place 515 Stephens Ave in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 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

The area around 515 Stephens Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	MISSOULA WATER serves 68,200 people · EPA ID MT0000294
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 482 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
CIS Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Blackfoot Telephone Cooperative, TDS Telecom, Western Montana CommunityTel.