Missoula County property record for 539 Stephens Ave, Missoula, MT 59801
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 972 sqft · built 1923 |
| Lot Size | 0.119 acres (5,184 sqft) |
| Owner | Individual Name on File |
| Last Sale | $277,900 (Oct 2018) |
| Tax Bill | $3,641 (2025) |
| Deeds & Mortgages | Oct 2026 Sale May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R0444875 |
| Primary APN | R0444875 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 972 sqft Living Area |
| Gross Area | 1,946 sqft |
| 1st Floor Area | 972 sqft |
| Basement Area | 780 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Conventional |
| Exterior Material | Frame/Stucco |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,184 sqft (0.119 acres) |
| Lot Dimensions | 130 ft deep x 40 ft wide |
| View / Lot | Neighborhood |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 98 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0000101301 |
|---|---|
| Street Address | 539 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 13, & S 10 OF 14 |
| Legal Subdivision | SOUTH MISSOULA |
| Legal Block | 34 |
| Legal Lot Number | 13 |
| Jurisdiction | MISSOULA MT |
| Township / Civil Division | MISSOULA |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 1100 |
539 Stephens Ave is owned and occupied by an individual who acquired it in October 2026.
Source: Missoula County records, as of October 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 539 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.
| Date | Document |
|---|---|
| Oct 6, 2026 | Deed of Distribution, Transfer NONE LISTED ON DOCUMENT |
| May 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Oct 22, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 22, 2018 · Amount on File |
| Deed Sale | Oct 22, 2018 · Amount on File |
| Prior Sale | Feb 20, 2008 |
| Deed Document Number | 201818911 |
| Deed Book / Page | 1004 / 927 |
| Last Transfer Date | Oct 6, 2026 |
| Transfer Doc | 0000016178 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Distribution |
|---|---|
| Jurisdiction | MISSOULA MT |
| Recording Date | Oct 6, 2026 |
| Property Address | 539 STEPHENS AVE, MISSOULA, MT 59801-3813 |
| Document Number | 0000016178 |
| Book / Page | 1134 / 1041 |
| Instrument Date | Oct 6, 2026 |
| Instrument | 202616178 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 539 STEPHENS AVE, MISSOULA, MT 59801-3813 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 539 STEPHENS AVE, MISSOULA, MT 59801-3813 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2021 |
| Title Company | INSURED TITLE, INSURED TITLES |
| Name | Verified Name |
|---|
| Document Number | 0010550440 |
|---|---|
| Date | May 11, 2021 |
| Book Page | 1055/440 |
| Instrument | 202111910 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MISSOULA MT |
| Recording Date | Oct 22, 2018 |
| Property Address | 539 STEPHENS AVE, MISSOULA, MT 59801-3813 |
| Document Number | 0010040927 |
| Book / Page | 1004 / 0927 |
| Map Reference | MB787 PG947 |
| Instrument Date | Oct 18, 2018 |
| Instrument | 201818911 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | INSURED TITLES LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 539 STEPHENS AVE, MISSOULA, MT 59801-3813 |
| Document Number | 201818912 |
|---|---|
| Date | Oct 22, 2018 |
| Instrument | 201818912 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
The 2025 property tax bill for 539 Stephens Ave was $3,641, down 18.9% from the year before.
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 | $439,900 (-) Land $217,880 Building $222,020 | $439,900 (-) Land $217,880 Building $222,020 | |
| 2025 | $3,641.00 (-18.85%) | $439,900 Land $217,880 Building $222,020 | $439,900 Land $217,880 Building $222,020 |
| 2024 | $4,487.00 (+6.03%) | ||
| 2023 | $4,232.00 | $353,800 | $353,800 Land $153,660 Building $200,140 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 539 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.
The area around 539 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.
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 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.
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