Missoula County property record for 9765 Cross St, Bonner, MT 59823
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,296 sqft · built 1940 |
| Lot Size | 0.303 acres (13,199 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $499,082 (Jul 2023) |
| Tax Bill | $2,776 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jul 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R0460652 |
| Primary APN | R0460652 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| 1st Floor Area | 1,296 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 13,199 sqft (0.303 acres) |
| View / Lot | Rural |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 136 sqft |
| Deck Area | 132 sqft |
| Shed | 1 Shed |
| Shed Area | 224 sqft |
| Lean-To | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0001420008 |
|---|---|
| Street Address | 9765 CROSS ST |
| City | MISSOULA |
| State | MT |
| Zip | 59802-9552 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAPOINT ADDITION, S27, T13 N, R18 W, BLOCK B, LOT 5 - 7, REPLACEMENT |
| Legal Range | 18W |
| Legal Township | 13N |
| Legal Section | 27 |
| Legal Subdivision | LAPOINT ADDITION |
| Legal Block | B |
| Legal Lot Number | 5-7 |
| Jurisdiction | MISSOULA MT |
| Township / Civil Division | MISSOULA |
| Census Block Group | 2 |
| Census Block | 2156 |
| Census Tract | 1402 |
Source: Missoula County records, as of September 15, 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 | 9765 CROSS ST, MISSOULA, MT 59802-9552 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 25, 2026 | Deed of Trust, Mortgage · Conventional Mortgage OPPORTUNITY BANK OF MT |
| Jul 12, 2023 | Warranty Deed, Transfer · Conventional Mortgage OPPORTUNITY BANK OF MT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2023 · Amount on Record |
| Deed Sale | Jul 12, 2023 · Amount on Record |
| Prior Sale | Jul 2, 2007 · Amount on Record |
| Deed Document Number | 20237632 |
| Deed Book / Page | 1090 / 525 |
| Prior Transfer Date | Oct 3, 2006 |
| Prior Transfer Doc | 0007841326 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 9765 CROSS ST, MISSOULA, MT 59802-9552 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2026 |
| Title Company | IT |
| Name | Verified Name |
|---|---|
| Address | 9765 CROSS ST, MISSOULA, MT 59802-9552 |
| Document Number | 0011250273 |
|---|---|
| Date | Feb 25, 2026 |
| Book Page | 1125/273 |
| Instrument | 202602810 |
| Name | OPPORTUNITY BANK OF MT |
|---|---|
| Type | Bank |
| Address | HELENA, MT 59604 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MISSOULA MT |
| Recording Date | Jul 12, 2023 |
| Property Address | 9765 CROSS ST, MISSOULA, MT 59802-9552 |
| Document Number | 0010900525 |
| Book / Page | 1090 / 525 |
| Instrument Date | Jul 12, 2023 |
| Instrument | 202307632 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2023 |
| Title Company | INSURED TITLE, INSURED TITLES LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9765 CROSS ST, MISSOULA, MT 59802-9552 |
| Document Number | 0202307633 |
|---|---|
| Date | Jul 12, 2023 |
| Instrument | 202307633 |
| Name | OPPORTUNITY BANK OF MT |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
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 | $443,700 (-) Land $73,380 Building $370,320 | $443,700 (-) Land $73,380 Building $370,320 | |
| 2025 | $2,776.00 (-18.85%) | $443,700 (+19.21%) Land $73,380 Building $370,320 | $443,700 (+19.21%) Land $73,380 Building $370,320 |
| 2024 | $3,421.00 (-1.24%) | ||
| 2023 | $3,464.00 | $372,200 | $372,200 Land $82,860 Building $289,340 |
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 | CANYON PINES HOA private · serves 32 people · EPA ID MT0002119 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2021–2023) 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. The service area is an EPA estimate; the actual supplier may differ.
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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