108 E River Rock Rd, Belgrade, MT 59714 Property Records

Gallatin County property record for 108 E River Rock Rd, Belgrade, MT 59714

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,292 sqft · built 2003
Lot Size	0.189 acres (8,233 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (Aug 2021)
Tax Bill	$1,718 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`00RFF43419`

Property Details

APN / Parcel Number

Primary APN	`00RFF43419`
Alternative APNs	`06-0903-03-4-08-14-0000` `R0635882`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,292 sqft Living Area
1st Floor Area	1,292 sqft
Family Room	Family Room

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,233 sqft (0.189 acres)
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	56 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00RFF43419
Street Address	108 E RIVER ROCK RD
City	BELGRADE
State	MT
Zip	59714-9580
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER ROCK SUB PH 2B, S03, T01 S, R04 E, BLOCK 32, LOT 7, PLAT J-293
Legal Range	04E
Legal Township	01S
Legal Section	03
Legal Subdivision	RIVER ROCK SUB PH 2B
Legal Block	32
Legal Lot Number	7
Jurisdiction	GALLATIN MT
Township / Civil Division	BELGRADE
Census Block Group	3
Census Block	3012
Census Tract	201

Owner

Source: Gallatin County records, as of September 22, 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	108 E RIVER ROCK RD, BELGRADE, MT 59714-9580
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Deed of Trust, Mortgage · Line of Credit ROCKY MOUNTAIN CU
Aug 16, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
Feb 12, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Nov 22, 2019	Deed of Trust, Mortgage · Line of Credit FIRST SECURITY BANK
Mar 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2021 · Amount on Record
Deed Sale	Aug 16, 2021 · Amount on Record
Prior Sale	Feb 12, 2020 · Amount on Record
Deed Document Number	20212746470
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	108 E RIVER ROCK RD, BELGRADE, MT 59714-9580
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002786304
Date	Sep 12, 2022
Instrument	2786304

Lender

Name	ROCKY MOUNTAIN CU
Type	Credit Union
Address	BOZEMAN, MT 59718

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 28, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN MT
Recording Date	Aug 16, 2021
Property Address	108 E RIVER ROCK RD, BELGRADE, MT 59714-9580
Document Number	2746470
Instrument Date	Aug 13, 2021
Instrument	2746470
Transaction Type	Transfer
Record Updated	Aug 26, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	108 RIVERWAY RD, BELGRADE, MT 59714-9385

Mortgage

Document Number	2746471
Date	Aug 16, 2021
Instrument	2746471

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN MT
Recording Date	Feb 12, 2020
Property Address	108 E RIVER ROCK RD, BELGRADE, MT 59714-9580
Document Number	2673003
Map Reference	PL J-293
Instrument Date	Feb 12, 2020
Instrument	2673003
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	SECURITY TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	108 RIVER WOODS RD, BELGRADE, MT 59714-9334

Mortgage

Document Number	2673004
Date	Feb 12, 2020
Instrument	2673004

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	108 E RIVER ROCK RD, BELGRADE, MT 59714-9580
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	MONTANA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2665392
Date	Nov 22, 2019
Instrument	2665392

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BELGRADE, MT 59714

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	108 E RIVER ROCK RD, BELGRADE, MT 59714-9580
Transaction Type	Mortgage
Record Updated	Mar 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2607488
Date	Mar 7, 2018
Instrument	2607488

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BOZEMAN, MT 59715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: Gallatin County assessment roll, as of September 22, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Gallatin County
Elementary School District	Belgrade Elementary School District (PK - 08)
Secondary School District	Belgrade High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,718.00 (-43.06%)	$473,000 (+2.05%)	$473,000 (+2.05%) Land $141,383 Building $331,617
2023	$3,017.00	$463,500	$463,500 Land $114,523 Building $348,977

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 July 30, 2024

FEMA Flood Zone	Zone X minimal risk
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 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	RIVER ROCK COUNTY WATER AND SEWER DIST private · serves 4,200 people · EPA ID MT0004082
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	3 ppb (2025–2027) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Montana Opticom Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
SkyNet Communications Fixed Wireless	1,000 / 1,000
Wisp West Fixed Wireless	200 / 100

May also be available: Verizon.

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