985 Ray Rd, Helena, MT 59602 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,040 sqft · built 1989
Lot Size	0.559 acres (24,350 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,498 (2026)
Deeds & Mortgages	Jul 2017 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`R0515356`

Property Details

APN / Parcel Number

Primary APN	`R0515356`
Alternative APNs	`05-1995-30-4-04-35-0000` `0000012326`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,040 sqft Living Area
1st Floor Area	2,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Rustic
Exterior Material	Other
Construction Type	Log
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	24,350 sqft (0.559 acres)
Garage Type	Detached
Garage Area	2,450 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	315 sqft
Deck Area	72 sqft
Lean-To	Lean-To

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0000012326
Street Address	985 RAY RD
City	HELENA
State	MT
Zip	59602-7905
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S30, T11 N, R03 W, TR IN SE
Legal Range	03W
Legal Township	11N
Legal Section	30
Jurisdiction	LEWIS AND CLARK MT
Township / Civil Division	HELENA
Census Block Group	1
Census Block	1005
Census Tract	501

Owner

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

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	985 RAY RD, HELENA, MT 59602-7905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Feb 20, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 18, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE SERVICE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	985 RAY RD, HELENA, MT 59602-7905
Transaction Type	Mortgage
Record Updated	Aug 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M53/0122
Date	Jul 12, 2017
Book Page	M53/0122
Instrument	3307899

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	985 RAY RD, HELENA, MT 59602-7905
Transaction Type	Mortgage
Record Updated	Aug 12, 2021
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M56/7023
Date	Feb 20, 2020
Book Page	M56/7023
Instrument	3350799

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Sep 1, 2047

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	985 RAY RD, HELENA, MT 59602-7905
Transaction Type	Mortgage
Record Updated	Aug 12, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M58/1959
Date	Nov 18, 2020
Book Page	M58/1959
Instrument	3367366

Lender

Name	FREEDOM MORTGAGE SERVICE INC
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

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	$2,498.00 (-5.91%)	$474,100 (+7.02%)
2025			$474,100 (+7.02%) Land $55,712 Building $418,388
2023	$2,655.00	$443,000	$443,000 Land $65,617 Building $377,383

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 April 7, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2011)
Most Recent Claim	Sep 2011 · other causes

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	Low lower than 97% of the US · lower than 99.3% of Montana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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