89 3rd St E, Cowley, WY 82420 Property Records

Big Horn County property record for 89 3rd St E, Cowley, WY 82420

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,390 sqft · built 1940
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on Record
Last Sale	$143,800 (Oct 2013)
Tax Bill	$1,132 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-26-032-00220`

Property Details

APN / Parcel Number

Primary APN	`28-26-032-00220`
Alternative APNs	`57963212605028` `R0008174`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,390 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	32,670 sqft (0.75 acres)
Lot Dimensions	135 ft deep x 200 ft wide
Garage Type	Detached
Garage Area	1,280 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	40 sqft
Deck Area	140 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	R0008174
Street Address	89 3RD ST E
City	COWLEY
State	WY
Zip	82420-5049
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COWLEY PRYOR ADDITION 200'X135' : .14 AC IN NW4NE4 32 57 96 (EAST SIDE ANNEX #234, COWLEY ANNEXATION #275 SD99-130 & PLAT
Legal Subdivision	PRYOR ADD.
Jurisdiction	BIG HORN WY
Township / Civil Division	NORTH BIG HORN
Census Block Group	1
Census Block	1108
Census Tract	962800

Owner

Source: Big Horn County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 755, COWLEY, WY 82420-0755
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage FEDERAL SAVINGS BANK
Jun 24, 2026	Warranty Deed, Transfer · Conventional Mortgage FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2013 · Amount on Record
Deed Sale	Oct 8, 2013 · Amount on Record
Deed Document Number	20131045594
Deed Book / Page	119 / 1235
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIG HORN WY
Recording Date	Jun 29, 2026
Property Address	89 3RD ST E, COWLEY, WY 82420-5049
Document Number	0001183297
Book / Page	183 / 1608
Instrument Date	Jun 8, 2026
Instrument	20261183297
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 3RD ST E, COWLEY, WY 82420-5049

Mortgage

Document Number	0001183297,
Date	Jun 29, 2026
Book Page	183/1608
Instrument	20261183297

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BIG HORN WY
Recording Date	Jun 24, 2026
Property Address	89 3RD ST E, COWLEY, WY 82420-5049
Document Number	0001183167
Book / Page	183 / 1424
Instrument Date	Jun 8, 2026
Instrument	20261183167
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0001183167,
Date	Jun 24, 2026
Book Page	183/1608
Instrument	20261183167

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

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

Tax Assessment & Valuation

Source: Big Horn County assessment roll, as of July 10, 2026

Property Jurisdictions

Type	Name
State	Wyoming
County	Big Horn County
Municipality	Cowley Town
Unified School District	Big Horn County School District 1 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$18,788 (+26.89%) Land $3,697 Building $15,091	$224,135 (+14.46%) Land $53,565 Building $170,570
2025	$1,132.00 (-5.19%)	$14,807 (-18.5%) Land $2,666 Building $12,141	$195,818 (+2.39%) Land $37,418 Building $158,400
2023		$18,169 Land $4,051 Building $14,118	$191,246 Land $42,639 Building $148,607
2022	$1,194.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 4, 2022 · 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
Nearby Flood Policies	1 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	Low lower than 80% of the US · lower than 94% of Wyoming
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF COWLEY serves 800 people · EPA ID WY5600206
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Nov 2019
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TCT Internet Fiber	1,000 / 1,000

May also be available: Verizon.

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