902 Lydia Rd, Helena, MT 59602 Property Records

Lewis And Clark County property record for 902 Lydia Rd, Helena, MT 59602

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,218 sqft · built 1978
Lot Size	1.67 acres (72,745 sqft)
Owner	Individual Name on Record
Last Sale	$249,900 (Dec 2022)
Deeds & Mortgages	May 2026 Mortgage Oct 2023 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`R0515647`

Property Details

APN / Parcel Number

Primary APN	`R0515647`
Alternative APNs	`05-1995-31-4-02-37-0000` `0000012594`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,218 sqft Living Area
1st Floor Area	1,218 sqft
Basement Area	1,144 sqft
Finished Basement	1,144 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	72,745 sqft (1.67 acres)
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000012594
Street Address	902 LYDIA RD
City	HELENA
State	MT
Zip	59602-6533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	MINOR SUBDIVISION NUMBER 32, S31, T11 N, R03 W, LOT 2, COS #270908
Legal Range	03W
Legal Township	11N
Legal Section	31
Legal Subdivision	MINOR SUBDIVISION NUMBER 32
Legal Lot Number	2
Jurisdiction	LEWIS AND CLARK MT
Township / Civil Division	HELENA
Census Block Group	2
Census Block	2002
Census Tract	501

Owner

Source: Lewis And Clark County records, as of September 18, 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	902 LYDIA RD, HELENA, MT 59602-6533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Deed of Trust, Mortgage · VA Mortgage BARRETT FINANCIAL GROUP LLC
Oct 23, 2023	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Dec 27, 2022	Intrafamily Transfer, Transfer · VA Mortgage THE FEDERAL SAVINGS BANK
Dec 9, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 5, 2017	Warranty Deed, Transfer · VA Mortgage MANN MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2022 · Amount on Record
Deed Sale	Dec 28, 2022 · Amount on Record
Prior Sale	Oct 5, 2017 · Amount on Record
Deed Document Number	20223407141
Deed Book / Page	61 / 7945
Prior Transfer Date	Nov 28, 2022
Prior Transfer Doc	00M61/7945
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Recording Date	May 14, 2026
Property Address	902 LYDIA RD, HELENA, MT 59602-6533
Document Number	0003450074
Book / Page	65 / 3843
Instrument Date	May 6, 2026
Instrument	20263450074
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 LYDIA RD, HELENA, MT 59602-6533

Mortgage

Document Number	0003450074,
Date	May 14, 2026
Book Page	65/3843
Instrument	20263450074

Lender

Name	BARRETT FINANCIAL GROUP LLC

Agreement

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

Interest

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

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	902 LYDIA RD, HELENA, MT 59602-6533
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M62/6472
Date	Oct 23, 2023
Book Page	M62/6472
Instrument	3417269

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2053

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Dec 27, 2022
Property Address	902 LYDIA RD, HELENA, MT 59602-6533
Document Number	00M61/7945
Book / Page	M61 / 7945
Map Reference	DOC 270908
Instrument Date	Dec 5, 2022
Instrument	3407141
Transaction Type	Transfer
Record Updated	Jan 17, 2023
Title Company	IN TITLE, FIN TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 LYDIA RD, HELENA, MT 59602-6533

Mortgage

Document Number	0003407142
Date	Dec 27, 2022
Instrument	3407142

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	902 LYDIA RD, HELENA, MT 59602-6533
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M58/3133
Date	Dec 9, 2020
Book Page	M58/3133
Instrument	3368615

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Dec 1, 2047

Interest

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEWIS AND CLARK MT
Recording Date	Oct 5, 2017
Property Address	902 LYDIA RD, HELENA, MT 59602-6533
Document Number	M53/3952
Book / Page	M53 / 3952
Map Reference	DOC270908
Instrument Date	Oct 4, 2017
Instrument	3312617
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	FIRST MONTANA LAND TITLE COMPANY, FIRST MONTANA LAND TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	902 LYDIA RD, HELENA, MT 59602-6533

Mortgage

Document Number	3312618
Date	Oct 5, 2017
Instrument	3312618

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Lewis And Clark County assessment roll, as of September 11, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Lewis And Clark County
Elementary School District	Helena Elementary School District (PK - 08)
Secondary School District	Helena High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	Disabled Person's exemption Veteran's exemption	$510,800 (-)
2025	Disabled Person's exemption Veteran's exemption	$510,800 (+29.38%)	$510,800 (+29.38%) Land $166,219 Building $344,581
2023		$394,800	$394,800 Land $130,189 Building $264,611

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 April 7, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 42 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	40 (1981–2018)
Claims Outside the SFHA	25 of 40
Most Recent Claim	Jun 2018 · river or lake flooding
Claims by Event	Flooding, May 2018 · 11 claims Severe Storms And Flooding, Jun 2011 · 4 claims Severe Storms, Flooding, And Ice Jams, Feb 1996 · 2 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	Low lower than 94% of the US · lower than 98.8% of Montana
Wildfire Likelihood	0.02% 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 183 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

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