Missoula County property record for 5228 Gardner Ln, Florence, MT 59833
| Property Type | Single Family Home |
|---|---|
| Lot Size | 10 acres (436,036 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,530 (2025) |
| Deeds & Mortgages | Apr 2018 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | R049559 |
| Primary APN | R049559 |
|---|---|
| Alternative APNs |
|
| Exterior Material | Other |
|---|---|
| Roof Material | Composition Shingle |
| Lot Area | 436,036 sqft |
| Terrain | Wooded |
| View / Lot | Rural |
| Pole Barn | Pole Barn |
| Account Number | 0005946501 |
|---|---|
| Street Address | 5228 GARDNER LN |
| City | FLORENCE |
| State | MT |
| Zip | 59833-6737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S23, T11 N, R20 W, C.O.S. 3525, PARCEL 03A, IN E2 E OF R/W |
| Legal Range | 20W |
| Legal Township | 11N |
| Legal Section | 23 |
| Legal Subdivision | CERTIFICATE/SURV 3525 03A |
| Legal Tract | 3A |
| Legal Block | 3 |
| Legal Lot Number | 3A |
| Jurisdiction | MISSOULA MT |
| Township / Civil Division | LOLO |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 1502 |
5228 Gardner Ln is owned by two individuals who acquired it in December 2009.
Source: Missoula County records, as of September 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 136 LUBY LN, FLORENCE, MT 59833-6811 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2006 |
| Deed Sale | Aug 7, 2006 |
| Prior Sale | Jun 6, 2002 |
| Deed Document Number | 200619700 |
| Deed Book / Page | 780 / 592 |
| Last Transfer Date | Dec 28, 2009 |
| Transfer Doc | 0008531247 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 5228 GARDNER LN, FLORENCE, MT 59833-6737 |
| Document Number | 0009950858 |
| Instrument Date | Apr 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2018 |
| Title Company | INSURED TITLE |
| Name | Verified Name |
|---|---|
| Address | 197 RIDGEWAY DR LOLO MT 598479544, LOLO, MT 59847-9544 |
| Document Number | 0009950858 |
|---|---|
| Date | Apr 23, 2018 |
| Book Page | 000995/000858 |
| Instrument | 6242 |
| Name | FIRST SEC BK/MISSOULA |
|---|---|
| Type | Bank |
| Address | MISSOULA, MT 59806 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 5228 Gardner Ln was $2,530, up 11.7% from the year before.
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 | $472,125 (-) Land $348,155 Building $123,970 | $472,125 (-) Land $348,155 Building $123,970 | |
| 2025 | $2,530.00 (+11.75%) | $472,125 Land $348,155 Building $123,970 | $472,125 Land $348,155 Building $123,970 |
| 2024 | $2,264.00 (-2.92%) | ||
| 2023 | $2,332.00 | $301,033 | $301,033 Land $192,593 Building $108,440 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5228 Gardner Ln in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 5228 Gardner Ln is moderate, ranking above 67% 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 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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