985 Cap Rd, Helena, MT 59602 Property Records

Lewis And Clark County property record for 985 Cap Rd, Helena, MT 59602

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,606 sqft · built 2011
Lot Size	0.503 acres (21,911 sqft)
Owner	2 Individual Names on File
Last Sale	$196,600 (Feb 2012)
Tax Bill	$587 (2026)
Deeds & Mortgages	Mar 2017 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`R0540406`

Property Details

APN / Parcel Number

Primary APN	`R0540406`
Alternative APNs	`05-1888-07-1-13-18-0000` `0000042999`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,606 sqft Living Area
1st Floor Area	1,606 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,911 sqft (0.503 acres)
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000042999
Street Address	985 CAP RD
City	HELENA
State	MT
Zip	59602-7223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRYANT TRACTS NO. 3 MINOR, S07, T10 N, R03 W, LOT 31, COS #3116923
Legal Range	03W
Legal Township	10N
Legal Section	07
Legal Subdivision	BRYANT TRACTS NO. 3 MINOR
Legal Lot Number	31
Jurisdiction	LEWIS AND CLARK MT
Township / Civil Division	HELENA
Census Block Group	1
Census Block	1002
Census Tract	503

Owner

985 Cap Rd is owned and occupied by two individuals who bought it in February 2012.

Source: Lewis And Clark County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	985 CAP RD, HELENA, MT 59602-7223
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage OPPORTUNITY BANK OF MT
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage MANN MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2012 · Amount on File
Deed Sale	Feb 15, 2012 · Amount on File
Deed Document Number	20123217136
Deed Book / Page	44 / 7642
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	985 CAP RD, HELENA, MT 59602-7223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M52/6118
Date	Mar 31, 2017
Book Page	M52/6118
Instrument	3303453

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank
Address	HELENA, MT 59604

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	985 CAP RD, HELENA, MT 59602-7223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST MONTANA LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M57/6965
Date	Aug 31, 2020
Book Page	M57/6965
Instrument	3361751

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company
Address	KALISPELL, MT 59901

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 985 Cap Rd was $587 with a homeowner's exemption.

Source: Lewis And Clark County assessment roll, as of September 11, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Lewis And Clark County
Elementary School District	Helena Elementary School District (PK - 08)
Secondary School District	Helena High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$587.00 Homeowner's exemption	$446,100
2025			$446,100 Land $101,676 Building $344,424
2023	$3,728.00	$397,400	$397,400 Land $116,338 Building $281,062

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 985 Cap Rd in Zone X, an area of moderate flood risk, though there have been 4 flood claims nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective April 7, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	4 (2011–2018)
Claims Outside the SFHA	3 of 4
Most Recent Claim	May 2018 · Flooding
Claims by Event	Flooding, May 2018 · 2 claims Severe Storms And Flooding, Jun 2011 · 2 claims

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

Wildfire risk around 985 Cap Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Montana
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BRYANT NO 3 SUBDIVISION private · serves 100 people · EPA ID MT0004489
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

May also be available: Montana Internet, Verizon.

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