844 River Rd W, Plains, MT 59859 Property Records

Sanders County property record for 844 River Rd W, Plains, MT 59859

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,184 sqft · built 1992
Lot Size	5.95 acres (259,182 sqft)
Owner	2 Company Names on Record
Last Sale	$253,400 (Jul 2017)
Tax Bill	$227 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2026 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R353534`

Property Details

APN / Parcel Number

Primary APN	`R353534`
Alternative APNs	`35-2978-11-3-01-01-0000` `0000002321`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,184 sqft Living Area
1st Floor Area	1,184 sqft
Basement Area	1,408 sqft
Finished Basement	1,408 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	259,182 sqft (5.95 acres)
Garage Type	Detached
Garage Area	1,056 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	260 sqft
Deck Area	242 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000002321
Street Address	844 RIVER RD W
City	PLAINS
State	MT
Zip	59859-9355
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S11, T20 N, R27 W, C.O.S. 1201, ACRES 5.95, PLAT M N2S2
Legal Range	27W
Legal Township	20N
Legal Section	11
Jurisdiction	SANDERS MT
Township / Civil Division	PLAINS
Census Block Group	2
Census Block	2044
Census Tract	100

Owner

Source: Sanders 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 Company Names on Record
Mailing Address	844 RIVER RD W, PLAINS, MT 59859-9355
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2026	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
May 15, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Jul 7, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Nov 17, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Jul 31, 2017	Warranty Deed, Transfer · VA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2017 · Amount on Record
Deed Sale	Jul 31, 2017 · Amount on Record
Deed Document Number	2017306963
Deed Book / Page	1 / 88408
Last Transfer Date	May 15, 2026
Transfer Doc	0000340242
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDERS MT
Recording Date	Jun 19, 2026
Property Address	844 RIVER RD W, PLAINS, MT 59859-9355
Document Number	0000340612
Instrument Date	Jun 10, 2026
Instrument	2026340612
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	VETERAN EXPRESS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	844 RIVER RD W, PLAINS, MT 59859-9355

Mortgage

Document Number	0000340612,
Date	Jun 19, 2026
Instrument	2026340612

Lender

Name	NEW DAY FINANCIAL LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANDERS MT
Recording Date	May 15, 2026
Property Address	844 RIVER RD W, PLAINS, MT 59859-9355
Document Number	0000340242
Instrument Date	May 15, 2026
Instrument	2026340242
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	844 RIVER RD W, PLAINS, MT 59859-9355

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANDERS MT
Recording Date	Jul 7, 2026
Property Address	844 RIVER RD W, PLAINS, MT 59859-9355
Document Number	0000340743
Instrument Date	May 15, 2026
Instrument	2026340743
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	844 RIVER RD W, PLAINS, MT 59859-9355

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDERS MT
Property Address	844 RIVER RD W, PLAINS, MT 59859-9355
Transaction Type	Mortgage
Record Updated	Dec 2, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000328042
Date	Nov 17, 2022
Instrument	328042

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDERS MT
Property Address	844 RIVER RD W, PLAINS, MT 59859-9355
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	314280
Date	Sep 26, 2019
Instrument	314280

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	Oct 1, 2047

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANDERS MT
Recording Date	Jul 31, 2017
Property Address	844 RIVER RD W, PLAINS, MT 59859-9355
Document Number	1/88408
Book / Page	1 / 88408
Instrument Date	Jul 27, 2017
Instrument	306963
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	844 RIVER RD W, 844, PLAINS, MT 59859-9355

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	678 SKYLINE RD, HENDERSON, NV 89002-8260

Mortgage

Document Number	1/88409
Date	Jul 31, 2017
Book Page	1/88409
Instrument	306964

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Sanders County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Sanders County
Unified School District	Plains K-12 Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$492,400 (-)
2025	$227.00 (+0.89%) Disabled Person's exemption Veteran's exemption	$492,400 (+40.05%)	$492,400 (+40.05%) Land $80,970 Building $411,430
2023	$225.00 (-88.62%)	$351,600	$351,600 Land $43,575 Building $308,025
2022	$1,977.00 Disabled Person's exemption Veteran's exemption

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 November 14, 2019 · 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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	6 (1997–2011)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Jul 2011 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2011 · 2 claims Severe Storms,ice Jams, Snow Melt, Flooding, Jun 1997 · 4 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	High above 70% of the US · above 51% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blackfoot Telephone Cooperative Fiber	1,000 / 500

Cell Coverage

5G and 4G LTE (outdoors only)

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