521 Arbor Dr, Missoula, MT 59802 Property Records

Missoula County property record for 521 Arbor Dr, Missoula, MT 59802

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,112 sqft · built 1995
Lot Size	0.309 acres (13,460 sqft)
Owner	Individual Name on File
Last Sale	$835,240 (Mar 2026)
Tax Bill	$9,155 (2025)
Deeds & Mortgages	Mar 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0496153`

Property Details

APN / Parcel Number

Primary APN	`R0496153`
Alternative APNs	`04-2200-14-3-02-08-0000` `0006000517` `6000517`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,112 sqft Living Area
Gross Area	4,088 sqft
1st Floor Area	1,712 sqft
Basement Area	1,536 sqft
Finished Basement	1,400 sqft
Unfinished Basement	136 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,460 sqft (0.309 acres)
View / Lot	Neighborhood
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Frame Porch
Porch Area	152 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0006000517
Street Address	521 ARBOR DR
City	MISSOULA
State	MT
Zip	59802-3125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	COBBAN CAMP SITES, S14, T13 N, R19 W, PT OF LOT 13
Legal Subdivision	COBBAN CAMP SITES
Legal Block	2
Legal Lot Number	13
Jurisdiction	MISSOULA MT
Township / Civil Division	MISSOULA
Census Block Group	2
Census Block	2016
Census Tract	100

Owner

521 Arbor Dr is owned and occupied by an individual who bought it in March 2026.

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

Owner of Record	Individual Name on File
Mailing Address	521 ARBOR DR, MISSOULA, MT 59802-3125
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	Name on Deed
Last Sale	Mar 25, 2026 · Amount on File
Deed Sale	Mar 25, 2026 · Amount on File
Deed Document Number	20264278
Deed Book / Page	1126 / 341
Prior Transfer Date	Sep 15, 2022
Prior Transfer Doc	0000017027
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MISSOULA MT
Recording Date	Mar 25, 2026
Property Address	521 ARBOR DR, MISSOULA, MT 59802-3125
Document Number	0011260341
Book / Page	1126 / 341
Instrument Date	Mar 12, 2026
Instrument	202604278
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	INSURED TITLE, INSURED TITLES LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 ARBOR DR, MISSOULA, MT 59802-3125

Mortgage

Document Number	0202604279
Date	Mar 25, 2026
Instrument	202604279

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	4.5%
Max Rate At Change	11.8%
Index	SOFR Average 30-Day
Max Rate	14.3%

Tax Assessment & Valuation

The 2025 property tax bill for 521 Arbor Dr was $9,155, up 23.6% 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		$923,600 (-) Land $378,374 Building $545,226	$923,600 (-) Land $378,374 Building $545,226
2025	$9,155.00 (+23.62%)	$923,600 Land $378,374 Building $545,226	$923,600 Land $378,374 Building $545,226
2024	$7,406.00 (+6.04%)
2023	$6,984.00	$583,600	$583,600 Land $164,547 Building $419,053

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

Flood

FEMA maps place 521 Arbor Dr 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

Wildfire risk around 521 Arbor Dr is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 58% of the US · lower than 66% of Montana
Wildfire Likelihood	0.2% 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	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 253 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