56 Pearl St, Libby, MT 59923 Property Records

Lincoln County property record for 56 Pearl St, Libby, MT 59923

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,318 sqft · built 1950
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,900 (Oct 2019)
Tax Bill	$133 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2019 Mortgage
APN	`R564012`

Property Details

APN / Parcel Number

Primary APN	`R564012`
Alternative APNs	`56-4175-23-2-01-11-0000` `0000003539`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,318 sqft Living Area
1st Floor Area	1,318 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	50 sqft
Shed	1 Shed
Shed Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000003539
Street Address	56 PEARL ST
City	LIBBY
State	MT
Zip	59923-8321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S23, T30 N, R31 W, ACRES 0.19, TR 1DB IN SWSENE
Legal Range	31W
Legal Township	30N
Legal Section	23
Jurisdiction	LINCOLN MT
Township / Civil Division	LIBBY
Census Block Group	3
Census Block	3037
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	56 PEARL ST, LIBBY, MT 59923-8321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Oct 11, 2019	Warranty Deed, Transfer · USDA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2019 · Amount on Record
Deed Sale	Oct 11, 2019 · Amount on Record
Deed Document Number	2019282192
Deed Book / Page	379 / 454
Last Transfer Date	Mar 25, 2021
Transfer Doc	0000292006
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Recording Date	Apr 23, 2026
Property Address	56 PEARL ST, LIBBY, MT 59923-8321
Document Number	0000320650
Book / Page	414 / 628
Instrument Date	Apr 14, 2026
Instrument	2026320650
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 PEARL ST, LIBBY, MT 59923-8321
Investor	Possibly a Property Investor

Mortgage

Document Number	0000320650,
Date	Apr 23, 2026
Book Page	414/628
Instrument	2026320650

Lender

Agreement

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

Interest

Rate	6.22%
Max Rate	-1%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MT
Recording Date	Oct 11, 2019
Property Address	56 PEARL ST, LIBBY, MT 59923-8321
Document Number	379/454
Book / Page	379 / 454
Instrument Date	Sep 26, 2019
Instrument	282192
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMER TTL CO OF MT INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 PEARL STTREET, LIBBY, MT 59923-8321

Mortgage

Document Number	282193
Date	Oct 11, 2019
Instrument	282193

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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	$133.00 (+11.76%) Homeowner's exemption	$192,500 (-)
2025	$119.00 (-43.87%) Homeowner's exemption	$192,500 (+26.81%)	$192,500 (+26.81%) Land $48,997 Building $143,503
2023	$212.00	$151,800	$151,800 Land $36,855 Building $114,945

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	2 (1996)
Most Recent Claim	Feb 1996 · Severe Storms, Flooding, And Ice Jams
Claims by Event	Severe Storms, Flooding, And Ice Jams, Feb 1996 · 2 claims

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	Moderate above 54% of the US · lower than 70% of Montana
Wildfire Likelihood	0.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Western Montana CommunityTel Cable	1,000 / 50

May also be available: Inland Cellular.

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