Missoula County property record for 521 E Spruce St, Missoula, MT 59802
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 840 sqft · built 1910 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,918 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R0457051 |
| Primary APN | R0457051 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 840 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Old Style |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 3,920 sqft (0.09 acres) |
| Lot Dimensions | 130 ft deep x 30 ft wide |
| View / Lot | Neighborhood |
| Porch | Open Frame Porch |
| Porch Area | 50 sqft |
| Deck Area | 200 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Floor/Wall Furnace |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0001114306 |
|---|---|
| Street Address | 521 E SPRUCE ST |
| City | MISSOULA |
| State | MT |
| Zip | 59802-4601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Description | MCWHIRK ADDITION, S22, T13 N, R19 W, BLOCK H, LOT 6 |
| Legal Range | 19W |
| Legal Township | 13N |
| Legal Section | 22 |
| Legal Subdivision | MCWHIRK ADDITION |
| Legal Block | H |
| Legal Lot Number | 6 |
| Jurisdiction | MISSOULA MT |
| Township / Civil Division | MISSOULA |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Missoula Downtown Historic District listed 2009 · 380 contributing resources · NRIS 07000647 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 3056 N GILPIN ST, DENVER, CO 80205-4518 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 2, 2020 | Warranty Deed, Transfer GUARANTEED RATE |
| Sep 21, 2017 | Deed of Trust, Mortgage GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MISSOULA MT |
| Recording Date | Sep 2, 2020 |
| Property Address | 521 E SPRUCE ST, MISSOULA, MT 59802-4601 |
| Document Number | 0010380875 |
| Book / Page | 001038 / 000875 |
| Instrument Date | Aug 26, 2020 |
| Instrument | 20445 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2020 |
| Title Company | TITLE SERVICES, INC. |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 801 S OLIVEST #2209 LOS ANGELES CA 90019, 2209, LOS ANGELES, CA 90019 |
| Document Number | 10380876 |
|---|---|
| Date | Sep 2, 2020 |
| Book Page | 001038/000876 |
| Instrument | 20446 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 521 E SPRUCE ST, MISSOULA, MT 59802-4601 |
| Document Number | 0009870032 |
| Book / Page | 000987 / 000032 |
| Instrument Date | Sep 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2017 |
| Title Company | INSURED TITLE |
| Name | Verified Name |
|---|---|
| Address | 521 E SPRUCE ST MISSOULA MT 598024601, MISSOULA, MT 59802-4601 |
| Document Number | 0009870032 |
|---|---|
| Date | Sep 26, 2017 |
| Book Page | 000987/000032 |
| Instrument | 19774 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Sep 25, 2027 |
Source: Missoula County assessment roll, as of September 15, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $365,740 (-) Land $161,460 Building $204,280 | $365,740 (-) Land $161,460 Building $204,280 | |
| 2025 | $2,918.00 (-20.96%) | $365,740 (+18.56%) | $365,740 (+18.56%) Land $161,460 Building $204,280 |
| 2023 | $3,692.00 | $308,495 | $308,495 Land $133,185 Building $175,310 |
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 86% of Montana |
|---|---|
| Wildfire Likelihood | 0.05% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 260 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, Western Montana CommunityTel.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures