Missoula County property record for 9485 Cross St, Bonner, MT 59823
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 795 sqft · built 1945 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,028 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R046081 |
| Primary APN | R046081 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 795 sqft Living Area |
| Gross Area | 861 sqft |
| 1st Floor Area | 795 sqft |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 6,970 sqft (0.16 acres) |
| View / Lot | Rural |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Frame Porch |
| Porch Area | 162 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0001435705 |
|---|---|
| Street Address | 9485 CROSS ST |
| City | BONNER |
| State | MT |
| Zip | 59823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PILTZ ADDITION, S27, T13 N, R18 W, BLOCK 3, LOT 1, ACRES 0.16, BLK 2 LOTS 3 & 4A BLK 3 TRACTS 1 & 2 - TRACT 1 |
| Legal Range | 18W |
| Legal Township | 13N |
| Legal Section | 27 |
| Legal Subdivision | PILTZ ADDITION |
| Legal Tract | 1 |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | MISSOULA MT |
| Township / Civil Division | MISSOULA |
| Census Block Group | 2 |
| Census Block | 2153 |
| Census Tract | 1402 |
Source: Missoula County records, as of September 15, 2025
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 Record |
|---|---|
| Mailing Address | PO BOX 751, BONNER, MT 59823-0751 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 15, 2026 | Deed of Trust, Mortgage · Line of Credit CARTER FEDERAL CREDIT UNION |
| Oct 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CLEARWATER FCU |
| Jul 17, 2019 | Warranty Deed, Transfer WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 1, 2018 |
| Transfer Doc | 0010050246 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Recording Date | Apr 15, 2026 |
| Property Address | 9485 CROSS ST, MISSOULA, MT 59802-9509 |
| Document Number | 0000005370 |
| Book / Page | 1127 / 33 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 20265370 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MONTANA TITLE AND ESCROW |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 9485 CROSS ST, MISSOULA, MT 59802-9509 |
| Document Number | 0000005370, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 1127/33 |
| Instrument | 20265370 |
| Name | CARTER FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 9, 2051 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 9485 CROSS ST, MISSOULA, MT 59802-9509 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0010420226 |
|---|---|
| Date | Oct 21, 2020 |
| Book Page | 1042/226 |
| Instrument | 202025396 |
| Name | CLEARWATER FCU |
|---|---|
| Type | Credit Union |
| Address | HELENA, MT 59601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MISSOULA MT |
| Recording Date | Jul 17, 2019 |
| Property Address | 9485 CROSS ST, MISSOULA, MT 59802-9509 |
| Document Number | 0010150070 |
| Book / Page | 001015 / 000070 |
| Instrument Date | Jul 16, 2019 |
| Instrument | 10735 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2019 |
| Title Company | INSURED TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 751 BONNER MT 598230751, BONNER, MT 59823-0751 |
| Document Number | 10150071 |
|---|---|
| Date | Jul 17, 2019 |
| Book Page | 001015/000071 |
| Instrument | 10736 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 16, 2049 |
Source: Missoula County assessment roll, as of September 15, 2025
| Type | Name |
|---|---|
| State | Montana |
| County | Missoula County |
| Elementary School District | Bonner Elementary School District (PK - 08) |
| Secondary School District | Missoula High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,028.00 (-24.22%) | $331,700 (+13.91%) Land $59,986 Building $271,714 | $331,700 (+13.91%) Land $59,986 Building $271,714 |
| 2024 | $2,676.00 (-1.62%) | ||
| 2023 | $2,720.00 | $291,200 | $291,200 Land $60,744 Building $230,456 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 9, 2024 · 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 6 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 80% of the US · above 69% of Montana |
|---|---|
| Wildfire Likelihood | 0.4% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MISSOULA WATER serves 68,200 people · EPA ID MT0000294 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| CIS Fixed Wireless | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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