97 Hardy Creek Ln, Cascade, MT 59421 Property Records

Cascade County property record for 97 Hardy Creek Ln, Cascade, MT 59421

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,176 sqft · built 1984
Lot Size	7.65 acres (333,234 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,077 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`R0244440`

Property Details

APN / Parcel Number

Primary APN	`R0244440`
Alternative APNs	`02-2664-25-1-01-13-0000` `0003706100` `03706100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	840 sqft
Attic Area	336 sqft
Fireplaces	1 Fireplace
Fireplace	Prefabricated

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	333,234 sqft (7.65 acres)
Terrain	Rolling
Deck Area	648 sqft
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0003706100
Old Parcel Number	03706100
Street Address	97 HARDY CREEK LN
City	CASCADE
State	MT
Zip	59421-8317
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	1
Legal Description	S25, T17 N, R02 W, IN NWNW MK 7E
Legal Range	02W
Legal Township	17N
Legal Section	25
Legal Quarter	NE
Jurisdiction	CASCADE MT
Township / Civil Division	CASCADE
Census Block Group	2
Census Block	2051
Census Tract	10400

Owner

Source: Cascade County records, as of October 27, 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	97 HARDY CREEK LN, CASCADE, MT 59421-8317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 24, 2018	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASCADE MT
Recording Date	Apr 28, 2026
Property Address	97 HARDY CREEK LN, CASCADE, MT 59421-8317
Document Number	0000482334
Instrument Date	Apr 21, 2026
Instrument	2026482334
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	97 HARDY CREEK LN, CASCADE, MT 59421-8317
Investor	Possibly a Property Investor

Mortgage

Document Number	0000482334,
Date	Apr 28, 2026
Instrument	2026482334

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASCADE MT
Property Address	97 HARDY CREEK LN, CASCADE, MT 59421-8317
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000405323
Date	Mar 1, 2021
Instrument	R0405323

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2041

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASCADE MT
Property Address	97 HARDY CREEK LN, CASCADE, MT 59421-8317
Document Number	0000354472
Instrument Date	Apr 24, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97 HARDY CREEK LN CASCADE MT 594218317, CASCADE, MT 59421-8317

Mortgage

Document Number	0000354472
Date	May 1, 2018
Instrument	354472

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 30, 2033

Tax Assessment & Valuation

Source: Cascade County assessment roll, as of December 31, 2024

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,077.00 (-13.35%)	$207,914 (+24.5%)	$207,914 (+24.5%) Land $68,404 Building $139,510
2023	$1,243.00	$166,996	$166,996 Land $52,066 Building $114,930

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 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (1997)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 1997 · river or lake flooding

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 84% of the US · above 78% of Montana
Wildfire Likelihood	0.3% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	40 / 3

Cell Coverage

4G LTE only, no 5G reported

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