620 Big Flat Rd, Missoula, MT 59804 Property Records

Missoula County property record for 620 Big Flat Rd, Missoula, MT 59804

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,808 sqft · built 1980
Lot Size	1.61 acres (70,567 sqft)
Owner	2 Individual Names on File
Last Sale	$437,500 (Jun 2018)
Tax Bill	$7,771 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0489448`

Property Details

APN / Parcel Number

Primary APN	`R0489448`
Alternative APNs	`04-2199-27-2-02-02-0000` `0005823219`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,808 sqft Living Area
Gross Area	4,676 sqft
1st Floor Area	2,644 sqft
Basement Area	1,456 sqft
Finished Basement	1,164 sqft
Unfinished Basement	292 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	70,567 sqft
View / Lot	Rural
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	192 sqft
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0005823219
Street Address	620 BIG FLAT RD
City	MISSOULA
State	MT
Zip	59804-9210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	HIDDEN HEIGHTS, S27, T13 N, R20 W, LOT 14
Legal Subdivision	HIDDEN HEIGHTS
Legal Block	1
Legal Lot Number	14
Jurisdiction	MISSOULA MT
Township / Civil Division	LOLO
Census Block Group	1
Census Block	1011
Census Tract	902

Owner

620 Big Flat Rd is owned by two individuals who bought it in June 2018.

Source: Missoula County records, as of September 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 9019, MISSOULA, MT 59807-9019
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2020	Deed of Trust, Mortgage · Line of Credit FIRST SECURITY BANK OF MISSOULA
Feb 24, 2020	Deed of Trust, Mortgage FIRST SEC BK/MISSOULA
Jun 21, 2018	Warranty Deed, Transfer FIRST SEC BK/MISSOULA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2018 · Amount on File
Deed Sale	Jun 21, 2018 · Amount on File
Prior Sale	Feb 18, 2004 · Amount on File
Deed Document Number	201810189
Deed Book / Page	998 / 605
Prior Transfer Date	Dec 9, 2015
Prior Transfer Doc	0009541325
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MISSOULA MT
Property Address	620 BIG FLAT RD, MISSOULA, MT 59804-9210
Transaction Type	Mortgage
Record Updated	Aug 16, 2021
Title Company	INSURED TITLES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010390412
Date	Sep 14, 2020
Book Page	1039/412
Instrument	202021382

Lender

Name	FIRST SECURITY BANK OF MISSOULA
Type	Bank
Address	MISSOULA, MT 59808

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MISSOULA MT
Property Address	620 BIG FLAT RD, MISSOULA, MT 59804-9210
Document Number	0010261024
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 12, 2020
Title Company	TITLE SERVICES, INC.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	620 BIG FLAT RD MISSOULA MT 598049210, MISSOULA, MT 59804-9210

Mortgage

Document Number	0010261024
Date	Feb 28, 2020
Book Page	001026/001024
Instrument	3794

Lender

Name	FIRST SEC BK/MISSOULA
Type	Bank
Address	MISSOULA, MT 59801

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MISSOULA MT
Recording Date	Jun 21, 2018
Property Address	620 BIG FLAT RD, MISSOULA, MT 59804-9210
Document Number	0009980605
Book / Page	000998 / 000605
Instrument Date	Jun 21, 2018
Instrument	10189
Transaction Type	Transfer
Record Updated	Jul 5, 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	PO BOX 9019 MISSOULA MT 598079019, MISSOULA, MT 59807-9019

Mortgage

Document Number	9980606
Date	Jun 21, 2018
Book Page	000998/000606
Instrument	10190

Lender

Name	FIRST SEC BK/MISSOULA
Type	Bank
Address	MISSOULA, MT 59801

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 620 Big Flat Rd was $7,771, up 25% from the year before.

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

Property Jurisdictions

Type	Name
State	Montana
County	Missoula County
Secondary School District	Missoula High School District (09 - 12)
Elementary School District	Target Range Elementary School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,084,100 (-) Land $336,392 Building $747,708	$1,084,100 (-) Land $336,392 Building $747,708
2025	$7,771.00 (+25%)	$1,084,100 Land $336,392 Building $747,708	$1,084,100 Land $336,392 Building $747,708
2024	$6,217.00 (-29.62%)
2023	$8,833.00	$989,000	$989,000 Land $306,125 Building $682,875

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

Flood

FEMA maps place 620 Big Flat Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	16 (1986–2018)
Claims Outside the SFHA	7 of 16
Most Recent Claim	Jun 2018 · river or lake flooding
Claims by Event	Severe Storms,ice Jams, Snow Melt, Flooding, May 1997 · 13 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

Wildfire risk around 620 Big Flat Rd is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 59% of the US · lower than 65% of Montana
Wildfire Likelihood	0.2% 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
T-Mobile Fixed Wireless	25 / 3
CenturyLink DSL	10 / 1

May also be available: AT&T, Grizzly Broadband.

Nearby Properties on Big Flat Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures