85 Osprey Dr E, Thompson Falls, MT 59873 Property Records

Sanders County property record for 85 Osprey Dr E, Thompson Falls, MT 59873

Property Summary

Property Type	Rural Home
Details	2 bd · 1.5 ba · 1,428 sqft · built 2017
Lot Size	4.09 acres (178,422 sqft)
Owner	2 Individual Names on File
Last Sale	$552,989 (Jun 2025)
Tax Bill	$227 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R359499`

Property Details

APN / Parcel Number

Primary APN	`R359499`
Alternative APNs	`35-3091-23-1-03-05-0000` `0000005850`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,428 sqft Living Area
1st Floor Area	1,428 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	178,422 sqft (4.09 acres)
Garage Type	Mixed
Garage Area	1,260 sqft
Parking Spaces	7 Parking Spaces
Deck Area	272 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000005850
Street Address	85 OSPREY DR E
City	THOMPSON FALLS
State	MT
Zip	59873-9516
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TAMONA HILLS NO 4, S23, T21 N, R29 W, LOT 002, ACRES 4.096
Legal Range	29W
Legal Township	21N
Legal Section	23
Legal Subdivision	TAMONA HILLS NO 4
Legal Lot Number	2
Jurisdiction	SANDERS MT
Township / Civil Division	THOMPSON FALLS-WEST END
Census Block Group	4
Census Block	4087
Census Tract	202

Owner

Source: Sanders County records · APN R359499

Assessment roll updated September 15, 2025 · Last verified May 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 File
Mailing Address	85 OSPREY DR E, THOMPSON FALLS, MT 59873-9516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2018	Deed of Trust, Mortgage · FHA Mortgage FIRST BANK
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage WHITEFISH CU
Jun 28, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage ACADEMY MORTGAGE CORP
May 09, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 23, 2025 · Amount on Record
Deed Sale	Jun 23, 2025 · Amount on Record
Prior Sale	Jun 28, 2019 · Amount on Record
Deed Document Number	2025336351
Prior Transfer Date	May 09, 2017
Prior Transfer Doc	0001/87802
Record Updated	Jun 08, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDERS MT
Property Address	85 OSPREY DR E, THOMPSON FALLS, MT 59873-9516
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000000311433
Date	Nov 28, 2018
Instrument	000000311433

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 01, 2048

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDERS MT
Property Address	85 OSPREY DR E, THOMPSON FALLS, MT 59873-9516
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000320935
Date	Apr 16, 2021
Instrument	320935

Lender

Name	WHITEFISH CU
Type	Credit Union
Address	WHITEFISH, MT 59937

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.15%
Type Change Date	Apr 25, 2028
Change Frequency	Annually
Min Rate At Change	4.15%
Max Rate At Change	6.15%
Index	Other
Max Rate	9.15%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANDERS MT
Recording Date	Jun 28, 2019
Property Address	85 OSPREY DR E, THOMPSON FALLS, MT 59873-9516
Document Number	0000313211
Instrument Date	Jun 21, 2019
Instrument	313211
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 OSPREY DR E, THOMPSON FALLS, MT 59873-9516

Mortgage

Document Number	0000313212
Date	Jun 28, 2019
Instrument	313212

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2049

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANDERS MT
Recording Date	May 09, 2017
Property Address	85 OSPREY DR E, THOMPSON FALLS, MT 59873-9516
Document Number	0001/87802
Book / Page	1 / 87802
Instrument Date	May 09, 2017
Instrument	306146
Transaction Type	Transfer
Record Updated	Nov 19, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	584 CHERRY CREEK RD, THOMPSON FALLS, MT 59873-9538

Tax Assessment & Valuation

Source: Sanders County records · Assessment roll updated September 15, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Montana
County	Sanders County
Elementary School District	Thompson Falls Elementary School District (PK - 08)
Secondary School District	Thompson Falls High School District (09 - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$227.00 (-92.41%)	$494,400 (+12.67%)	$494,400 (+12.67%) Land $159,316 Building $335,084
2023	$2,989.00	$438,800	$438,800 Land $97,705 Building $341,095

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 14, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 44% of Montana
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Blackfoot Telephone Cooperative Fiber	1,000 / 500
Starlink Satellite	280 / 30

Based on FCC filings for 8 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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