543 Hammer Cutoff Rd, Libby, MT 59923 Property Records

Lincoln County property record for 543 Hammer Cutoff Rd, Libby, MT 59923

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,072 sqft · built 1982
Lot Size	3.7 acres (161,172 sqft)
Owner	2 Individual Names on Record
Last Sale	$862,400 (Jul 2025)
Tax Bill	$5,338 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Mortgage + 4 more
APN	`R562697`

Property Details

APN / Parcel Number

Primary APN	`R562697`
Alternative APNs	`56-4069-19-1-02-04-0000` `0000002351`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,072 sqft Living Area
1st Floor Area	1,792 sqft
2nd Floor Area	1,280 sqft
Basement Area	1,280 sqft
Finished Basement	1,280 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	161,172 sqft (3.7 acres)
Garage Type	Detached
Garage Area	2,068 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	960 sqft
Shed	1 Shed
Shed Area	16 sqft
Pole Barn	120 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000002351
Street Address	543 HAMMER CUTOFF RD
City	LIBBY
State	MT
Zip	59923-7647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S19, T29 N, R30 W, C.O.S. 4342, PARCEL C, ACRES 3.7
Legal Range	30W
Legal Township	29N
Legal Section	19
Legal Subdivision	COS 4342RB
Jurisdiction	LINCOLN MT
Township / Civil Division	LIBBY
Census Block Group	1
Census Block	1191
Census Tract	100

Owner

Source: Lincoln County records, as of September 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	543 HAMMER CUTOFF RD, LIBBY, MT 59923-7647
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust · VA Mortgage CROSSCOUNTRY MORTGAGE
Apr 8, 2026	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE
Dec 24, 2020	Deed of Trust, Mortgage · Line of Credit FIRST INTERSTATE BANK
Oct 9, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST INTERSTATE BANK
Jul 19, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 12, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2025 · Amount on Record
Deed Sale	Jul 14, 2025 · Amount on Record
Prior Sale	Oct 9, 2020 · Amount on Record
Deed Document Number	2025316458
Deed Book / Page	410 / 930
Prior Transfer Date	Apr 23, 2015
Prior Transfer Doc	357/354
Record Updated	Oct 29, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Recording Date	Apr 8, 2026
Property Address	543 HAMMER CUTOFF RD, LIBBY, MT 59923-7647
Document Number	0000320442
Book / Page	414 / 449
Instrument Date	Apr 3, 2026
Instrument	2026320442
Record Updated	Apr 21, 2026
Title Company	FLYING S TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	543 HAMMER CUTOFF RD, LIBBY, MT 59923-7647

Mortgage

Document Number	0000320442,
Date	Apr 8, 2026
Book Page	414/449
Instrument	2026320442

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Recording Date	Apr 8, 2026
Property Address	543 HAMMER CUTOFF RD, LIBBY, MT 59923-7647
Document Number	000414/449
Book / Page	414 / 449
Instrument Date	Apr 3, 2026
Instrument	2026320442
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FLYING S TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	543 HAMMER CUTOFF RD, LIBBY, MT 59923-7647

Mortgage

Document Number	0000320442,
Date	Apr 8, 2026
Book Page	414/449
Instrument	2026320442

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Property Address	543 HAMMER CUTOFF RD, LIBBY, MT 59923-7647
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 HAMMER CUTOFF RD, LIBBY, MT 59923-7647

Mortgage

Document Number	386/855
Date	Dec 24, 2020
Book Page	386/855
Instrument	290159

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	POLSON, MT 59860

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 18, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MT
Recording Date	Oct 9, 2020
Property Address	543 HAMMER CUTOFF RD, LIBBY, MT 59923-7647
Document Number	385/322
Book / Page	385 / 322
Instrument Date	Oct 9, 2020
Instrument	288521
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	543 HAMMER CUTOFF RD, LIBBY, MT 59923-7647
Investor	Possibly a Property Investor

Mortgage

Document Number	288522
Date	Oct 9, 2020
Instrument	288522

Lender

Name	FIRST INTERSTATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Property Address	543 HAMMER CUTOFF RD, LIBBY, MT 59923-7647
Transaction Type	Mortgage
Record Updated	Aug 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	373/014
Date	Jul 19, 2018
Book Page	373/014
Instrument	275088

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 29, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Property Address	543 HAMMER CUTOFF RD, LIBBY, MT 59923-7647
Transaction Type	Mortgage
Record Updated	Nov 3, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 271001
Date	Oct 12, 2017
Book Page	369/539
Instrument	271001

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Sep 15, 2032

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Lincoln County
Unified School District	Libby K-12 Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,338.00 (+46.41%)	$926,730 (-)
2025	$3,646.00 (-28.47%)	$926,730 (+27.39%)	$926,730 (+27.39%) Land $107,940 Building $818,790
2023	$5,097.00	$727,480	$727,480 Land $68,880 Building $658,600

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

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Mar 1996 · river or lake flooding

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

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

Wildfire Risk	High above 73% of the US · above 57% of Montana
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Inland Cellular Fixed Wireless	100 / 20

May also be available: Ziply Fiber.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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