1038 N 23rd St, Billings, MT 59101 Property Records

Yellowstone County property record for 1038 N 23rd St, Billings, MT 59101

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,802 sqft · built 1939
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on Record
Last Sale	$367,678 (Dec 2022)
Tax Bill	$2,075 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`000A163940`

Property Details

APN / Parcel Number

Primary APN	`000A163940`
Alternative APNs	`03-1033-32-1-10-09-0000` `R0317104` `A163940` `A16394`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,802 sqft Living Area
Gross Area	1,884 sqft
1st Floor Area	1,052 sqft
Basement Area	832 sqft
Finished Basement	750 sqft
Unfinished Basement	82 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,500 sqft (0.241 acres)
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Stoop
Porch Area	16 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1038 N 23RD ST
City	BILLINGS
State	MT
Zip	59101-0822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-70
Legal Description	SUNNYSIDE SUBD 2ND FILING, S32, T01 N, R26 E, BLOCK 8, LOT 1, N75 OF S2 LT 1
Legal Range	26E
Legal Township	01N
Legal Section	32
Legal Subdivision	SUNNYSIDE SUBD 2ND FILING
Legal Block	8
Legal Lot Number	1
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	BILLINGS
Census Block Group	2
Census Block	2013
Census Tract	200

Owner

Source: Yellowstone County records, as of September 9, 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	1038 N 23RD ST, BILLINGS, MT 59101-0822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 21, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 19, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 8, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2022 · Amount on Record
Deed Sale	Dec 12, 2022 · Amount on Record
Prior Sale	May 8, 2017 · Amount on Record
Deed Document Number	20224036721
Prior Transfer Date	Oct 18, 2005
Prior Transfer Doc	0003368831
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	1038 N 23RD ST, BILLINGS, MT 59101-0822
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004036722
Date	Dec 12, 2022
Instrument	4036722

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	1038 N 23RD ST, BILLINGS, MT 59101-0822
Transaction Type	Mortgage
Record Updated	Dec 30, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003956614
Date	Jan 21, 2021
Instrument	3956614

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jan 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	1038 N 23RD ST, BILLINGS, MT 59101-0822
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST MONTANA TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003903062
Date	Nov 19, 2019
Instrument	3903062

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

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

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	May 8, 2017
Property Address	1038 N 23RD ST, BILLINGS, MT 59101-0822
Document Number	0003813206
Instrument Date	May 8, 2017
Instrument	3813206
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003813207
Date	May 8, 2017
Instrument	3813207

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: Yellowstone County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Montana
Municipality	Billings City
County	Yellowstone County
Elementary School District	Billings Elementary School District (PK - 08)
Secondary School District	Billings High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$297,400 (-) Land $43,528 Building $253,872	$297,400 (-) Land $43,528 Building $253,872
2025	$2,075.00 (-16.5%)	$297,400 (+25.22%) Land $43,528 Building $253,872	$297,400 (+25.22%) Land $43,528 Building $253,872
2024	$2,485.00 (+17.27%)
2023	$2,119.00	$237,500	$237,500 Land $43,858 Building $193,642

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 March 23, 2023 · 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 Policies	1 in force
Nearby Flood Claims	4 (1981–2013)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2013 · rainfall accumulation

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 80% of the US · lower than 93% of Montana
Wildfire Likelihood	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.

Drinking Water

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

Water System	CITY OF BILLINGS serves 114,000 people · EPA ID MT0000153
Water Source	Surface water
Last State Inspection	May 2025
Lead	3 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
Wisp West Fixed Wireless	100 / 20

May also be available: TDS Telecom.

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