Lincoln County property record for 543 Spencer Rd, Libby, MT 59923
| Property Type | Rural Home |
|---|---|
| Details | 1,296 sqft · built 1955 |
| Lot Size | 1.35 acres (58,893 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $412 (2023) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| APN | R563801 |
| Primary APN | R563801 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| 1st Floor Area | 1,296 sqft |
| Year Built | Built 1955 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Asbestos |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 58,893 sqft (1.35 acres) |
| Cooling System | None |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000003355 |
|---|---|
| Street Address | 543 SPENCER RD |
| City | LIBBY |
| State | MT |
| Zip | 59923-9024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | ENDERS ACRES, S14, T30 N, R31 W, LOT 015 - 16, LESS EASEMENT TO PP&L *3355* |
| Legal Subdivision | ENDERS ACRES |
| Legal Lot Number | 15,16 |
| Jurisdiction | LINCOLN MT |
| Township / Civil Division | LIBBY |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 100 |
Source: Lincoln County assessment roll, as of December 31, 2022
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 File |
|---|---|
| Mailing Address | 132 SPENCER ROAD EXT, LIBBY, MT 59923-9070 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 17, 2004 |
| Deed Sale | Dec 17, 2004 |
| Deed Document Number | 0000293438 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN MT |
| Recording Date | Jul 21, 2026 |
| Property Address | 565 SPENCER RD, LIBBY, MT 59923-9024 |
| Document Number | 0000322064 |
| Book / Page | 415 / 880 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 2026322064 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2026 |
| Title Company | TITLE ESCROW, FLYING S TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Address | 565 SPENCER RD, LIBBY, MT 59923-9024 |
| Document Number | 0000322064, |
|---|---|
| Date | Jul 21, 2026 |
| Book Page | 415/880 |
| Instrument | 2026322064 |
| Name | LINCOLN COUNTY CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 20, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Lincoln County assessment roll, as of December 31, 2022
| Type | Name |
|---|---|
| State | Montana |
| County | Lincoln County |
| Unified School District | Libby K-12 Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $412.00 | $58,814 | $58,814 Land $42,084 Building $16,730 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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 | Moderate above 57% of the US · lower than 67% of Montana |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Northwest Fiber Fiber | 6,000 / 6,000 |
| CommunityTel Cable | 1,000 / 50 |
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