Yellowstone County property record for 1440 Downy Rd, Laurel, MT 59044
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,549 sqft · built 1992 |
| Lot Size | 1.01 acres (44,431 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,343 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 000B029260 |
| Primary APN | 000B029260 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 3,549 sqft Living Area |
| Gross Area | 4,036 sqft |
| 1st Floor Area | 2,018 sqft |
| Basement Area | 2,018 sqft |
| Finished Basement | 1,531 sqft |
| Unfinished Basement | 487 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 44,431 sqft |
| Terrain | Above Road/Slope |
| View / Lot | Neighborhood / Spot |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 384 sqft |
| Deck Area | 160 sqft |
| Shed | 1 Shed |
| Shed Area | 246 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 1440 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 1 |
| Legal Range | 24E |
| Legal Township | 02S |
| Legal Section | 03 |
| Legal Subdivision | NORTHHILL ESTATES SUB 1ST |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | YELLOWSTONE MT |
| Township / Civil Division | LAUREL |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 1902 |
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 | 1440 DOWNY RD, LAUREL, MT 59044-9321 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2024 | Deed of Trust, Mortgage · Commercial Mortgage YELLOWSTONE BANK |
| Feb 25, 2021 | Deed of Trust, Mortgage · SBA Mortgage MIDWEST REGIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 17, 2021 |
| Deed Sale | May 17, 2021 |
| Prior Sale | Oct 3, 2016 · Amount on Record |
| Deed Document Number | 20213972670 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Property Address | 1440 DOWNY RD, LAUREL, MT 59044-9321 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2024 |
| Title Company | FIRST MONTANA LAND TITLE COMPANY, FIRST MONTANA TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 1440 DOWNY RD, LAUREL, MT 59044-9321 |
| Document Number | 0004069731 |
|---|---|
| Date | Mar 13, 2024 |
| Instrument | 4069731 |
| Name | YELLOWSTONE BANK |
|---|---|
| Type | Bank |
| Address | BILLINGS, MT 59108 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Apr 15, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Property Address | 1440 DOWNY RD, LAUREL, MT 59044-9321 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1440 DOWNY RD, LAUREL, MT 59044-9321 |
| Document Number | 0003961182 |
|---|---|
| Date | Feb 25, 2021 |
| Instrument | 3961182 |
| Name | MIDWEST REGIONAL BANK |
|---|---|
| Type | Bank |
| Address | FESTUS, MO 63028 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Yellowstone County assessment roll, as of September 9, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $664,100 (-) Land $110,344 Building $553,756 | $664,100 (-) Land $110,344 Building $553,756 | |
| 2025 | $3,343.00 (-13.68%) | $664,100 (+19.29%) Land $110,344 Building $553,756 | $664,100 (+19.29%) Land $110,344 Building $553,756 |
| 2024 | $3,873.00 (+9.84%) | ||
| 2023 | $3,526.00 | $556,700 | $556,700 Land $85,202 Building $471,498 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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