651 Waterfront Rd, Troy, MT 59935 Property Records

Lincoln County property record for 651 Waterfront Rd, Troy, MT 59935

Property Summary

Property Type	Rural Home
Details	6 bd · 2.5 ba · 1,232 sqft · built 1978
Lot Size	0.675 acres (29,403 sqft)
Owner	2 Individual Names on Record
Last Sale	$133,000 (Jan 2023)
Tax Bill	$1,771 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Mar 2018 Mortgage + 2 more
APN	`R567123`

Property Details

APN / Parcel Number

Primary APN	`R567123`
Alternative APNs	`56-4391-27-2-06-03-0000` `0000006483`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Finished Basement	1,232 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,403 sqft (0.675 acres)
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	570 sqft
Deck Area	252 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000006483
Street Address	651 WATERFRONT RD
City	TROY
State	MT
Zip	59935-9711
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	KOOTENAI VISTA, S27, T32 N, R34 W, BLOCK 4, LOT 7, ACRES 0.675
Legal Range	34W
Legal Township	32N
Legal Section	27
Legal Subdivision	KOOTENAI VISTA
Legal Block	4
Legal Lot Number	7
Jurisdiction	LINCOLN MT
Township / Civil Division	TROY
Census Block Group	4
Census Block	4102
Census Tract	500

Owner

Source: Lincoln County records, as of September 19, 2025

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	651 WATERFRONT RD, TROY, MT 59935-9711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST CLASS MORTGAGE II INC
Mar 7, 2018	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO
Aug 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage LINCOLN COUNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2023 · Amount on Record
Deed Sale	Jan 13, 2023 · Amount on Record
Deed Document Number	2023304274
Deed Book / Page	400 / 133
Prior Transfer Date	Mar 7, 2018
Prior Transfer Doc	371/273
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MT
Recording Date	Jan 13, 2023
Property Address	651 WATERFRONT RD, TROY, MT 59935-9711
Document Number	000400/133
Book / Page	400 / 133
Instrument Date	Jan 10, 2023
Instrument	304274
Transaction Type	Transfer
Record Updated	Jan 30, 2023
Title Company	NOT AVAILABLE, FLYING S T&E LIBBY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	651 WATERFRONT RD, TROY, MT 59935-9711

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	651 WATERFRONT RD, TROY, MT 59935-9711

Mortgage

Document Number	0000304275
Date	Jan 13, 2023
Instrument	304275

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Property Address	651 WATERFRONT RD, TROY, MT 59935-9711
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	371/343
Date	Mar 12, 2018
Book Page	371/343
Instrument	273256

Lender

Name	FIRST CLASS MORTGAGE II INC
Type	Non-Lending Institution
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

March 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MT
Recording Date	Mar 7, 2018
Property Address	651 WATERFRONT RD, TROY, MT 59935-9711
Document Number	371/273
Book / Page	371 / 273
Instrument Date	Mar 7, 2018
Instrument	273178
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

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	651 WATERFRONT RD, TROY, MT 59935-9711

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Property Address	651 WATERFRONT RD, TROY, MT 59935-9711
Transaction Type	Mortgage
Record Updated	Sep 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 269987
Date	Aug 4, 2017
Book Page	368/585
Instrument	269987

Lender

Name	LINCOLN COUNTY CU
Type	Credit Union
Address	LIBBY, MT 59923

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	96 Months
Due	Aug 2, 2025

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of September 19, 2025

Property Jurisdictions

Type	Name
State	Montana
County	Lincoln County
Elementary School District	Troy Elementary School District (PK - 08)
Secondary School District	Troy High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,771.00 (-44.01%)	$459,200 (+25.26%)	$459,200 (+25.26%) Land $67,835 Building $391,365
2023	$3,163.00	$366,600	$366,600 Land $41,275 Building $325,325

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

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 57% of the US · lower than 67% of Montana
Wildfire Likelihood	0.1% 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
E.L. Internet Northwest Fixed Wireless	30 / 7
Ziply Fiber DSL	10 / 1

Cell Coverage

No cell data coverage reported

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