1408 Downy Rd, Laurel, MT 59044 Property Records

Yellowstone County property record for 1408 Downy Rd, Laurel, MT 59044

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,767 sqft · built 1993
Lot Size	1.26 acres (55,321 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,126 (2025)
Deeds & Mortgages	Sep 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000B029270`

Property Details

APN / Parcel Number

Primary APN	`000B029270`
Alternative APNs	`03-0821-03-3-03-51-0000` `R0338575` `B029270` `B02927`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,767 sqft Living Area
Gross Area	2,840 sqft
1st Floor Area	1,420 sqft
Basement Area	1,420 sqft
Finished Basement	1,347 sqft
Unfinished Basement	73 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	55,321 sqft
Terrain	Rolling
View / Lot	Neighborhood / Spot
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	64 sqft
Deck Area	88 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1408 DOWNY RD
City	LAUREL
State	MT
Zip	59044-9321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHHILL ESTATES SUB 1ST, S03, T02 S, R24 E, BLOCK 2, LOT 2
Legal Range	24E
Legal Township	02S
Legal Section	03
Legal Subdivision	NORTHHILL ESTATES SUB 1ST
Legal Block	2
Legal Lot Number	2
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	LAUREL
Census Block Group	1
Census Block	1024
Census Tract	1902

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	2 Individual Names on Record
Mailing Address	1408 DOWNY RD, LAUREL, MT 59044-9321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YELLOWSTONE MT
Recording Date	Sep 18, 2023
Property Address	1408 DOWNY RD, LAUREL, MT 59044-9321
Document Number	0004058230
Map Reference	DOC 1313380
Instrument Date	Sep 18, 2023
Instrument	4058230
Transaction Type	Transfer
Record Updated	Oct 3, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	385 W DAFFODIL DR, BILLINGS, MT 59102-4481

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1408 DOWNY RD, LAUREL, MT 59044-9321

Mortgage

Document Number	0004058231
Date	Sep 18, 2023
Instrument	4058231

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Oct 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	12.1%
Margin	3
Max Rate	12.1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$455,400 (-) Land $122,587 Building $332,813	$455,400 (-) Land $122,587 Building $332,813
2025	$2,126.00 (-22.38%)	$455,400 (+19.65%) Land $122,587 Building $332,813	$455,400 (+19.65%) Land $122,587 Building $332,813
2024	$2,739.00 (+13.6%)
2023	$2,411.00	$380,600	$380,600 Land $87,473 Building $293,127

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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 66% of the US · lower than 88% of Montana
Wildfire Likelihood	0.02% 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	LAUREL MUNICIPAL WATER SYSTEM serves 6,339 people · EPA ID MT0000270
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jun 2022
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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000