Missoula County property record for 9710 Cross St, Bonner, MT 59823
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,166 sqft · built 1940 |
| Lot Size | 0.521 acres (22,695 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $179,550 (Mar 2026) |
| Tax Bill | $2,744 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Mar 2026 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R0446846 |
| Primary APN | R0446846 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,166 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 848 sqft |
| Finished Basement | 848 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,695 sqft (0.521 acres) |
| View / Lot | Rural |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 88 sqft |
| Deck Area | 404 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000268402 |
|---|---|
| Street Address | 9710 CROSS ST |
| City | MISSOULA |
| State | MT |
| Zip | 59802-9570 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAPOINT ADDITION, S27, T13 N, R18 W, BLOCK E, E2 LOT 3 & FRAC LTS 4 & 5 & W30 FRAC LT 6, TRIANGLE ADJ, .04AC PARCEL ADJ & TRIANGLE ADJ TO 1,2,3 & 4 |
| Legal Subdivision | LAPOINT ADDITION |
| Legal Block | E |
| Legal Lot Number | 3-6 |
| Jurisdiction | MISSOULA MT |
| Township / Civil Division | MISSOULA |
| Census Block Group | 2 |
| Census Block | 2154 |
| Census Tract | 1402 |
Source: Missoula County records, as of September 15, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9710 CROSS ST, MISSOULA, MT 59802-9570 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CLEARWATER FCU |
| Mar 2, 2026 | Intrafamily Transfer, Transfer · Line of Credit CLEARWATER FCU |
| Jul 11, 2018 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Oct 24, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 2026 · Amount on Record |
| Deed Sale | Mar 2, 2026 · Amount on Record |
| Prior Sale | Jul 11, 2014 · Amount on Record |
| Deed Document Number | 20263041 |
| Deed Book / Page | 1125 / 504 |
| Prior Transfer Date | Feb 25, 2026 |
| Prior Transfer Doc | 0000003041 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 9710 CROSS ST, MISSOULA, MT 59802-9570 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Title Company | TITLE SERVICES, INC., TITLE SERVICES INC |
| Name | Verified Name |
|---|
| Document Number | 0010631232 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 1063/1232 |
| Instrument | 202123902 |
| Name | CLEARWATER FCU |
|---|---|
| Type | Credit Union |
| Address | MISSOULA, MT 59801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MISSOULA MT |
| Recording Date | Mar 2, 2026 |
| Property Address | 9710 CROSS ST, MISSOULA, MT 59802-9570 |
| Document Number | 0011250504 |
| Book / Page | 1125 / 504 |
| Instrument Date | Feb 25, 2026 |
| Instrument | 202603041 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2026 |
| Title Company | TITLE SERVICES, INC., TITLE SERVICES INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9710 CROSS ST, MISSOULA, MT 59802-9570 |
| Document Number | 0202603042 |
|---|---|
| Date | Mar 2, 2026 |
| Instrument | 202603042 |
| Name | CLEARWATER FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Feb 25, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 9710 CROSS ST, MISSOULA, MT 59802-9570 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0009990433 |
|---|---|
| Date | Jul 11, 2018 |
| Book Page | 0999/0433 |
| Instrument | 201811417 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 1, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MISSOULA MT |
| Recording Date | Oct 24, 2019 |
| Property Address | 9710 CROSS ST, MISSOULA, MT 59802-9570 |
| Document Number | 0010200909 |
| Book / Page | 001020 / 000909 |
| Instrument Date | Oct 11, 2019 |
| Instrument | 18574 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9710 CROSS ST MISSOULA MT 598029570, MISSOULA, MT 59802-9570 |
Source: Missoula County assessment roll, as of September 15, 2026
| 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 |
|---|---|---|---|
| 2026 | $437,500 (-) Land $93,805 Building $343,695 | $437,500 (-) Land $93,805 Building $343,695 | |
| 2025 | $2,744.00 (-28.07%) | $437,500 (+5.37%) Land $93,805 Building $343,695 | $437,500 (+5.37%) Land $93,805 Building $343,695 |
| 2024 | $3,815.00 (-1.11%) | ||
| 2023 | $3,858.00 | $415,200 | $415,200 Land $116,585 Building $298,615 |
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 83% of the US · above 76% of Montana |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Indirect within ember reach |
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 34 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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