985 Terrence Rd, Helena, MT 59602 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,702 sqft · built 1977
Lot Size	1.11 acres (48,352 sqft)
Owner	2 Individual Names on Record
Last Sale	$213,900 (Apr 2015)
Tax Bill	$2,271 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Aug 2021 Mortgage + 3 more
Flood Zone	Zone D (undetermined)
APN	`R0512128`

Property Details

APN / Parcel Number

Primary APN	`R0512128`
Alternative APNs	`05-1995-06-4-02-09-0000` `0000009433`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,702 sqft Living Area
1st Floor Area	1,702 sqft
Basement Area	322 sqft
Finished Basement	322 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	48,352 sqft (1.11 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	474 sqft
Pole Barn	900 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000009433
Street Address	985 TERRENCE RD
City	HELENA
State	MT
Zip	59602-8336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	CEDAR HILLS SUBDIVISION, S06, T11 N, R03 W, LOT 16, COS #279073
Legal Range	03W
Legal Township	11N
Legal Section	06
Legal Subdivision	CEDAR HILLS SUBDIVISION
Legal Lot Number	16
Jurisdiction	LEWIS AND CLARK MT
Township / Civil Division	LINCOLN
Census Block Group	2
Census Block	2049
Census Tract	200

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 TERRENCE RD, HELENA, MT 59602-8336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Deed of Trust, Mortgage · Line of Credit OPPORTUNITY BANK OF MT
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Feb 21, 2019	Deed of Trust, Mortgage · FHA Mortgage THE MONEY SOURCE INC
Nov 22, 2017	Deed of Trust, Mortgage · FHA Mortgage THE MONEY SOURCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2015 · Amount on Record
Deed Sale	Apr 2, 2015 · Amount on Record
Deed Document Number	20153270886
Deed Book / Page	49 / 6675
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	985 TERRENCE RD, HELENA, MT 59602-8336
Transaction Type	Mortgage
Record Updated	Dec 31, 2025
Title Company	UNKNOWN, FLYING S TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M64/9045
Date	Dec 15, 2025
Book Page	M64/9045
Instrument	3444563

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 8, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	985 TERRENCE RD, HELENA, MT 59602-8336
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M59/6589
Date	Aug 3, 2021
Book Page	M59/6589
Instrument	3383081

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	33275

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	985 TERRENCE RD, HELENA, MT 59602-8336
Transaction Type	Mortgage
Record Updated	Jul 30, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M57/4064
Date	Jul 17, 2020
Book Page	M57/4064
Instrument	3358476

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	985 TERRENCE RD, HELENA, MT 59602-8336
Transaction Type	Mortgage
Record Updated	Mar 1, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M55/2189
Date	Feb 21, 2019
Book Page	M55/2189
Instrument	3333745

Lender

Name	THE MONEY SOURCE INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEWIS AND CLARK MT
Property Address	985 TERRENCE RD, HELENA, MT 59602-8336
Transaction Type	Mortgage
Record Updated	Dec 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 3314825
Date	Nov 22, 2017
Book Page	M53/5939
Instrument	3314825

Lender

Name	THE MONEY SOURCE INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 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	$2,271.00 (-36.05%)	$440,500 (+15.34%)
2025			$440,500 (+15.34%) Land $129,435 Building $311,065
2023	$3,551.00	$381,900	$381,900 Land $88,028 Building $293,872

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

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 65% of the US · lower than 87% of Montana
Wildfire Likelihood	0.04% 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	TOWN VIEW ESTATES WUA INC private · serves 175 people · EPA ID MT0002172
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	2 ppb (2017–2019) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 86 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: T-Mobile.

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