1481 Saddle Ridge Rd, Laurel, MT 59044 Property Records

Yellowstone County property record for 1481 Saddle Ridge Rd, Laurel, MT 59044

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,926 sqft · built 2015
Lot Size	2.03 acres (88,514 sqft)
Owner	2 Individual Names on File
Last Sale	$515,100 (Aug 2022)
Tax Bill	$2,095 (2025)
Deeds & Mortgages	Apr 2026 Transfer Aug 2022 Mortgage + 3 more
Flood Zone	Zone D (undetermined)
APN	`000C166510`

Property Details

APN / Parcel Number

Primary APN	`000C166510`
Alternative APNs	`03-0925-29-3-01-35-0000` `R701267` `C16651`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,926 sqft Living Area
1st Floor Area	1,523 sqft
Attic	Attic
Attic Area	403 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	88,514 sqft
Terrain	Rolling
View / Lot	Rural
Garage Area	901 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Frame Porch
Porch Area	18 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1481 SADDLE RIDGE RD
City	LAUREL
State	MT
Zip	59044-8380
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLE RIDGE SUB 2ND FIL, S29, T01 S, R24 E, BLOCK 2, LOT 4, (12)
Legal Range	24E
Legal Township	01S
Legal Section	29
Legal Subdivision	SADDLE RIDGE SUB 2ND FIL
Legal Block	2
Legal Lot Number	4
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	NORTHWEST YELLOWSTONE
Census Block Group	2
Census Block	2043
Census Tract	1403

Owner

1481 Saddle Ridge Rd is owned by two individuals who acquired it in April 2026.

Source: Yellowstone County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3900 CLAPPER FLAT RD, LAUREL, MT 59044
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 3, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Aug 4, 2022	Deed of Trust, Mortgage · FHA Mortgage OPPORTUNITY BANK OF MT
Jul 22, 2022	Warranty Deed, Transfer · FHA Mortgage OPPORTUNITY BANK OF MT
Apr 9, 2019	Trustee's Deed, Construction Loan · Line of Credit STOCKMAN BK/MT
Aug 4, 2022	Re-recorded Document

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2022 · Amount on File
Deed Sale	Aug 4, 2022 · Amount on File
Prior Sale	Jul 22, 2022 · Amount on File
Deed Document Number	20224024880
Last Transfer Date	Apr 3, 2026
Transfer Doc	0004130106
Record Updated	Oct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Apr 3, 2026
Property Address	1481 SADDLE RIDGE RD, LAUREL, MT 59044-8380
Document Number	0004130106
Instrument Date	Apr 3, 2026
Instrument	20264130106
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	1481 SADDLE RIDGE RD, LAUREL, MT 59044-8380
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	FIRST MONTANA LAND TITLE COMPANY, FIRST MONTANA TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004024881
Date	Aug 4, 2022
Instrument	4024881

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank
Address	HELENA, MT 59604

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Jul 22, 2022
Property Address	1481 SADDLE RIDGE RD, LAUREL, MT 59044-8380
Document Number	0004023564
Map Reference	DOC 3583369
Instrument Date	Jul 21, 2022
Instrument	4023564
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	FIRST MONTANA LAND TITLE COMPANY, FIRST MONTANA TITLE CO

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 with Right of Survivorship
Address	1481 SADDLE RIDGE RD, LAUREL, MT 59044-8380

Mortgage

Document Number	0004023565
Date	Jul 22, 2022
Instrument	4023565

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

April 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Apr 9, 2019
Property Address	1481 SADDLE RIDGE RD, LAUREL, MT 59044-8380
Instrument Date	Mar 28, 2019
Instrument	3879924
Transaction Type	Construction Loan
Record Updated	Apr 17, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7801 N LEOPARD AVE BILLINGS MT 59106, BILLINGS, MT 59106

Mortgage

Document Number	0003879924
Date	Apr 9, 2019
Instrument	3879924

Lender

Name	STOCKMAN BK/MT
Type	Bank
Address	BILLINGS, MT 59103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Apr 8, 2020

Interest

Rate Type	Adjustable Rate

August 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	YELLOWSTONE MT
Recording Date	Aug 4, 2022
Property Address	1481 SADDLE RIDGE RD, LAUREL, MT 59044-8380
Document Number	0004024968
Map Reference	DOC 3583369
Instrument Date	Jun 10, 2016
Instrument	4024968
Record Updated	Aug 16, 2023

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7623 N LEOPARD AVE, BILLINGS, MT 59106-2510

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1481 SADDLE RIDGE RD, LAUREL, MT 59044-8380
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1481 Saddle Ridge Rd was $2,095, down 19.9% from the year before.

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		$465,000 (-) Land $86,999 Building $378,001	$465,000 (-) Land $86,999 Building $378,001
2025	$2,095.00 (-19.92%)	$465,000 Land $86,999 Building $378,001	$465,000 Land $86,999 Building $378,001
2024	$2,616.00 (+8.19%)
2023	$2,418.00	$381,800	$381,800 Land $71,284 Building $310,516

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

Flood

FEMA maps place 1481 Saddle Ridge Rd in Zone D, where flood risk has not been studied.

Source: FEMA National Flood Hazard Layer, effective March 23, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire risk around 1481 Saddle Ridge Rd is high, ranking above 79% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 79% of the US · above 67% of Montana
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wisp West Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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