1 Laird St, Ramsay, MT 59748 Property Records

Butte-Silver Bow property record for 1 Laird St, Ramsay, MT 59748

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1975
Lot Size	0.368 acres (16,030 sqft)
Owner	Individual Name on Record
Tax Bill	$1,386 (2026)
Deeds & Mortgages	Sep 2025 Mortgage May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0119790`

Property Details

APN / Parcel Number

Primary APN	`R0119790`
Alternative APNs	`01-1196-14-3-11-11-0000` `0001718400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	16,030 sqft (0.368 acres)
Garage Type	Detached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0001718400
Street Address	1 LAIRD ST
City	RAMSAY
State	MT
Zip	59748-7500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAMSAY TOWNSITE, S14, T03 N, R09 W, BLOCK 2, LOT 11, N2 OF 12
Legal Range	09W
Legal Township	03N
Legal Section	14
Legal Subdivision	RAMSAY TOWNSITE
Legal Block	2
Legal Lot Number	11
Jurisdiction	SILVER BOW MT
Township / Civil Division	BUTTE-SILVER BOW NORTHWEST
Census Block Group	1
Census Block	1192
Census Tract	800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Ramsay Historic District listed 1988 · 35 contributing resources · NRIS 87002227

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Butte-Silver Bow records, as of September 4, 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	1 LAIRD ST, RAMSAY, MT 59748-7500
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 24, 2024
Transfer Doc	0000738347
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SILVER BOW MT
Property Address	1 LAIRD ST, RAMSAY, MT 59748-7500
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 LAIRD ST, RAMSAY, MT 59748-7500

Mortgage

Document Number	0000744485
Date	Sep 15, 2025
Instrument	744485

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SILVER BOW MT
Property Address	1 LAIRD ST, RAMSAY, MT 59748-7500
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	714132
Date	May 28, 2021
Instrument	714132

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Butte-Silver Bow assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Montana
County / Consolidated City	Butte-Silver Bow
Secondary School District	Butte High School District (09 - 12)
Elementary School District	Ramsay Elementary School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,386.00	$275,100 (-)
2025	$1,386.00 (-6.41%)	$275,100 (+46.29%)	$275,100 (+46.29%) Land $17,774 Building $257,326
2023	$1,481.00	$188,053	$188,053 Land $30,123 Building $157,930

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 May 31, 2022 · 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
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2015 · 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	Moderate above 45% of the US · lower than 78% of Montana
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	RAMSAY WATER AND SEWER DISTRICT serves 97 people · EPA ID MT0000578
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Blackfoot Telephone Cooperative.

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