Missoula County property record for 9800 Cross St, Bonner, MT 59823
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,768 sqft · built 1941 |
| Lot Size | 0.374 acres (16,291 sqft) |
| Owner | Individual Name on File |
| Last Sale | $193,900 (Jul 2009) |
| Tax Bill | $2,750 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Nov 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R0454776 |
| Primary APN | R0454776 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,768 sqft Living Area |
| Gross Area | 2,288 sqft |
| 1st Floor Area | 884 sqft |
| 2nd Floor Area | 884 sqft |
| Basement Area | 442 sqft |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 16,291 sqft (0.374 acres) |
| View / Lot | Rural |
| Garage Type | Detached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Frame Porch |
|---|---|
| Porch Area | 192 sqft |
| Deck Area | 280 sqft |
| Shed | 1 Shed |
| Greenhouse | Greenhouse |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000929607 |
|---|---|
| Street Address | 9800 CROSS ST |
| City | MISSOULA |
| State | MT |
| Zip | 59802-9553 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S27, T13 N, R18 W, IN NW4NE4 |
| Legal Range | 18W |
| Legal Township | 13N |
| Legal Section | 27 |
| Legal Subdivision | REPLACEMENT PLAT/LA POINTE ADD |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| Jurisdiction | MISSOULA MT |
| Township / Civil Division | MISSOULA |
| Census Block Group | 2 |
| Census Block | 2154 |
| Census Tract | 1402 |
9800 Cross St is owned and occupied by an individual who bought it in July 2009.
Source: Missoula County records, as of September 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9800 CROSS ST, MISSOULA, MT 59802-9553 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Nov 17, 2021 | Intrafamily Transfer, Transfer |
| Dec 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2009 · Amount on File |
| Deed Sale | Jul 2, 2009 · Amount on File |
| Prior Sale | Mar 15, 2002 · Amount on File |
| Deed Document Number | 200916119 |
| Deed Book / Page | 842 / 1160 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 9800 CROSS ST, MISSOULA, MT 59802-9553 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2022 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0010690501 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 1069/501 |
| Instrument | 202131571 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MISSOULA MT |
| Recording Date | Nov 17, 2021 |
| Property Address | 9800 CROSS ST, MISSOULA, MT 59802-9553 |
| Document Number | 0010670468 |
| Book / Page | 1067 / 468 |
| Instrument Date | Nov 2, 2021 |
| Instrument | 202128738 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9800 CROSS ST, 9800, MISSOULA, MT 59802-9553 |
| Name | Verified Name |
|---|---|
| Address | 9800 CROSS ST, MISSOULA, MT 59802-9553 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MISSOULA MT |
| Property Address | 9800 CROSS ST, MISSOULA, MT 59802-9553 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0010460516 |
|---|---|
| Date | Dec 24, 2020 |
| Book Page | 1046/516 |
| Instrument | 202031286 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 9800 Cross St was $2,750, down 26% from the year before.
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 | $438,700 (-) Land $80,045 Building $358,655 | $438,700 (-) Land $80,045 Building $358,655 | |
| 2025 | $2,750.00 (-25.98%) | $438,700 Land $80,045 Building $358,655 | $438,700 Land $80,045 Building $358,655 |
| 2024 | $3,715.00 (-1.14%) | ||
| 2023 | $3,758.00 | $437,600 | $437,600 Land $93,865 Building $343,735 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9800 Cross St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 9800 Cross St is high, ranking above 83% of the US, with a 0.4% annual chance of wildfire.
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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