12 E Garfield St, Apt D4, Bozeman, MT 59715 Property Records

Gallatin County property record for 12 E Garfield St, Apt D4, Bozeman, MT 59715

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,230 sqft · built 1979
Owner	Individual Name on File
Last Sale	$465,633 (Aug 2025)
Tax Bill	$4,714 (2026)
Deeds & Mortgages	Aug 2025 Mortgage Jul 2007 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000RGH3348`

Property Details

APN / Parcel Number

Primary APN	`000RGH3348`
Alternative APNs	`06-0799-18-2-13-20-7016` `R0686441`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,230 sqft Living Area
1st Floor Area	615 sqft
2nd Floor Area	615 sqft
Basement Area	615 sqft
Unfinished Basement	615 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1985
Architectural Style	Condo/Apartment
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gambrel
Roof Material	Asphalt
Deck Area	184 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	000RGH3348
Street Address	12 E GARFIELD ST, D4
City	BOZEMAN
State	MT
Zip	59715-5667
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	3
Legal Description	SYLVAN SPRINGS CONDO, S18, T02 S, R06 E, UNIT D-4
Legal Range	06E
Legal Township	02S
Legal Section	18
Legal Subdivision	SYLVAN SPRINGS CONDO
Jurisdiction	GALLATIN MT
Township / Civil Division	BOZEMAN
Census Block Group	1
Census Block	1011
Census Tract	1002

Owner

12 E Garfield St, Apt D4 is owned by an individual who bought it in August 2025.

Source: Gallatin County records, as of September 22, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 206, LIVINGSTON, MT 59047-0206
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage GOPRIME MORTGAGE INC
Jul 27, 2007	Warranty Deed, Transfer · ARM BIG SKY WESTERN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2025 · Amount on File
Deed Sale	Aug 1, 2025 · Amount on File
Prior Sale	Jul 26, 2022
Deed Document Number	20252856279
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	12 E GARFIELD ST APT D4, D4, BOZEMAN, MT 59715-5667
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	TITLE SERVICES, INC., TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1112 E CLARK ST, LIVINGSTON, MT 59047-3202

Mortgage

Document Number	0002856280
Date	Aug 1, 2025
Instrument	2856280

Lender

Name	GOPRIME MORTGAGE INC
Type	Mortgage Company
Address	APEX, NC 27502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

July 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN MT
Recording Date	Jul 27, 2007
Property Address	12 E GARFIELD ST APT D4, D4, BOZEMAN, MT 59715-5667
Document Number	0002273758
Instrument Date	Jul 27, 2007
Instrument	2273758
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	INSURED TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 E GARFIELD ST, BOZEMAN, MT 59715-5667

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12 E GARFIELD ST APT D4, D4, BOZEMAN, MT 59715-5667

Mortgage

Document Number	0002273759
Date	Jul 27, 2007
Instrument	2273759

Lender

Name	BIG SKY WESTERN BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	11.6%

Tax Assessment & Valuation

The 2026 property tax bill for 12 E Garfield St, Apt D4 was $4,714, up 165.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,714.00 (+165.73%)	$442,399 (-)	$442,399 (-) Land $66,119 Building $376,280
2025	$1,774.00	$442,399	$442,399 Land $66,119 Building $376,280
2023	$2,643.00	$438,400	$438,400 Land $40,449 Building $397,951

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12 E Garfield St, Apt D4 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 30, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 21 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	33 units insured incl. 12 condo units
Nearby Flood Claims	6 (1979–2011)
Claims Outside the SFHA	1 of 6
Most Recent Claim	May 2011 · Severe Storms And Flooding

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

Wildfire risk around 12 E Garfield St, Apt D4 is low, with less than a 0.01% annual chance of 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.

Drinking Water

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

Water System	CITY OF BOZEMAN serves 56,000 people · EPA ID MT0000161
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	2 ppb (2023–2025) 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 296 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
SkyNet Communications Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Wisp West Fixed Wireless	200 / 100

May also be available: CenturyLink, Global Net.

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