654 Kootenai River Rd, Libby, MT 59923 Property Records

Lincoln County property record for 654 Kootenai River Rd, Libby, MT 59923

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,776 sqft · built 1975
Lot Size	0.812 acres (35,371 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Aug 2021)
Tax Bill	$1,799 (2026)
Deeds & Mortgages	Apr 2020 Mortgage Nov 2021 Transfer + 2 more
APN	`R5610647`

Property Details

APN / Parcel Number

Primary APN	`R5610647`
Alternative APNs	`56-4283-34-1-03-05-0000` `0000009736`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,776 sqft Living Area
1st Floor Area	1,776 sqft
Basement Area	904 sqft
Finished Basement	904 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,371 sqft (0.812 acres)
Garage Type	Mixed
Garage Area	1,080 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000009736
Street Address	654 KOOTENAI RIVER RD
City	LIBBY
State	MT
Zip	59923-8937
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KOOTENAI HEIGHTS, S34, T31 N, R31 W, LOT 1 AMND, ACRES 0.812, CS 141
Legal Range	31W
Legal Township	31N
Legal Section	34
Legal Subdivision	KOOTENAI HEIGHTS
Legal Lot Number	1
Jurisdiction	LINCOLN MT
Township / Civil Division	LIBBY
Census Block Group	4
Census Block	4025
Census Tract	300

Owner

654 Kootenai River Rd is owned and occupied by two individuals who acquired it in August 2021.

Source: Lincoln County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	654 KOOTENAI RIVER RD, LIBBY, MT 59923-8937
Occupancy	Owner Occupied
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
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Nov 10, 2021	Correction Deed FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Aug 5, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 31, 2017	Warranty Deed, Transfer · FHA Mortgage 1ST ALLIANCE LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2021 · Amount on File
Deed Sale	Aug 5, 2021 · Amount on File
Prior Sale	Oct 31, 2017 · Amount on File
Deed Document Number	2021295113
Deed Book / Page	391 / 555
Last Transfer Date	Aug 10, 2021
Transfer Doc	393/555
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MT
Property Address	654 KOOTENAI RIVER RD, LIBBY, MT 59923-8937
Transaction Type	Mortgage
Record Updated	Jun 28, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000382/145
Date	Apr 30, 2020
Book Page	382/145
Instrument	285155

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

November 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	LINCOLN MT
Recording Date	Nov 10, 2021
Property Address	654 KOOTENAI RIVER RD, LIBBY, MT 59923-8937
Document Number	393/555
Book / Page	393 / 555
Instrument Date	Aug 10, 2021
Instrument	297157
Record Updated	Nov 30, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	654 KOOTENAI RIVER RD, LIBBY, MT 59923-8937

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MT
Recording Date	Aug 5, 2021
Property Address	654 KOOTENAI RIVER RD, LIBBY, MT 59923-8937
Document Number	391/555
Book / Page	391 / 555
Map Reference	PL 1219
Instrument Date	Aug 5, 2021
Instrument	295113
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	FIRST AMERICAN TITLE LIBBY

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	654 KOOTENAI RIVER RD, LIBBY, MT 59923-8937

Mortgage

Document Number	295114
Date	Aug 5, 2021
Instrument	295114

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MT
Recording Date	Oct 31, 2017
Property Address	654 KOOTENAI RIVER RD, LIBBY, MT 59923-8937
Document Number	369/816
Book / Page	369 / 816
Instrument Date	Oct 30, 2017
Instrument	271302
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	LINCOLN COUNTY TITLE COMPANY

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	654 KOOTENAI RIVER RD, LIBBY, MT 59923-8937

Mortgage

Document Number	271303
Date	Oct 31, 2017
Instrument	271303

Lender

Name	1ST ALLIANCE LENDING LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 654 Kootenai River Rd was $1,799, up 7.9% from the year before.

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	$1,799.00 (+7.92%)	$490,900 (-)
2025	$1,667.00	$490,900	$490,900 Land $59,136 Building $431,764
2023	$3,312.00	$472,800	$472,800 Land $62,686 Building $410,114

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

Flood

FEMA has no flood map on file for 654 Kootenai River Rd; 2 flood insurance policies are in force nearby.

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.

Wildfire

Wildfire risk around 654 Kootenai River Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 87% of Montana
Wildfire Likelihood	0.03% 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 19 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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