6096 Ray Ln, Florence, MT 59833 Property Records

Missoula County property record for 6096 Ray Ln, Florence, MT 59833

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,806 sqft · built 2004
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,600 (Nov 2020)
Tax Bill	$3,564 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0481248`

Property Details

APN / Parcel Number

Primary APN	`R0481248`
Alternative APNs	`04-1975-14-2-08-11-0000` `0003762503` `3762503`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,806 sqft Living Area
Gross Area	2,382 sqft
1st Floor Area	1,806 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft
View / Lot	Rural
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	231 sqft
Deck Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0003762503
Street Address	6096 RAY LN
City	FLORENCE
State	MT
Zip	59833-6021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	TIMBERLINE TRAIL ESTATES, S14, T11 N, R20 W, LOT 9
Legal Range	20W
Legal Township	11N
Legal Section	14
Legal Subdivision	TIMBERLINE TRAIL ESTATES
Legal Block	1
Legal Lot Number	9
Jurisdiction	MISSOULA MT
Township / Civil Division	LOLO
Census Block Group	1
Census Block	1027
Census Tract	1502

Owner

Source: Missoula County records, as of September 15, 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	6096 RAY LN, FLORENCE, MT 59833-6021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 4, 2020	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA
Jul 27, 2018	Warranty Deed, Transfer OPPORTUNITY BK/MT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2020 · Amount on Record
Deed Sale	Nov 4, 2020 · Amount on Record
Prior Sale	Jul 27, 2018 · Amount on Record
Deed Document Number	202026789
Deed Book / Page	1043 / 219
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MISSOULA MT
Property Address	6096 RAY LN, FLORENCE, MT 59833-6021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010380141
Date	Aug 26, 2020
Book Page	1038/141
Instrument	202019711

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MISSOULA MT
Recording Date	Nov 4, 2020
Property Address	6096 RAY LN, FLORENCE, MT 59833-6021
Document Number	0010430219
Book / Page	1043 / 219
Instrument Date	Nov 3, 2020
Instrument	202026789
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	FIRST AMERICAN TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6096 RAY LN, FLORENCE, MT 59833-6021

Mortgage

Document Number	202026790
Date	Nov 4, 2020
Instrument	202026790

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MISSOULA MT
Recording Date	Jul 27, 2018
Property Address	6096 RAY LN, FLORENCE, MT 59833-6021
Document Number	0010000024
Book / Page	001000 / 000024
Instrument Date	May 23, 2018
Instrument	12408
Transaction Type	Transfer
Record Updated	Aug 16, 2018
Title Company	INSURED TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6096 RAY LN FLORENCE MT 598336021, FLORENCE, MT 59833-6021

Mortgage

Document Number	10000025
Date	Jul 27, 2018
Book Page	001000/000025
Instrument	12409

Lender

Name	OPPORTUNITY BK/MT
Address	HELENA, MT 59604

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2048

Tax Assessment & Valuation

Source: Missoula County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Missoula County
Unified School District	Florence-Carlton K-12 Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$535,200 (-) Land $208,500 Building $326,700	$535,200 (-) Land $208,500 Building $326,700
2025	$3,564.00 (-19.38%)	$535,200 (+11.13%)	$535,200 (+11.13%) Land $208,500 Building $326,700
2023	$4,421.00	$481,600	$481,600 Land $108,800 Building $372,800

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, 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	7 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

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

Wildfire Risk	High above 70% of the US · above 51% 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 12 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: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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