1509 Saddle Ridge Rd, Laurel, MT 59044 Property Records

Yellowstone County property record for 1509 Saddle Ridge Rd, Laurel, MT 59044

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,926 sqft · built 2015
Lot Size	2.35 acres (102,366 sqft)
Owner	2 Individual Names on File
Last Sale	$332,500 (Sep 2021)
Tax Bill	$2,310 (2025)
Deeds & Mortgages	Apr 2026 Transfer Sep 2021 Mortgage + 4 more
Flood Zone	Zone D (undetermined)
APN	`000C166500`

Property Details

APN / Parcel Number

Primary APN	`000C166500`
Alternative APNs	`03-0925-29-3-01-30-0000` `R701266` `C16650`

Interior

Bedrooms	4 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
Roof Type	Gable
Roof Material	Asphalt
Lot Area	102,366 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	1509 SADDLE RIDGE RD
City	LAUREL
State	MT
Zip	59044-8381
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLE RIDGE SUB 2ND FIL, S29, T01 S, R24 E, BLOCK 2, LOT 3, (12)
Legal Range	24E
Legal Township	01S
Legal Section	29
Legal Subdivision	SADDLE RIDGE SUB 2ND FIL
Legal Block	2
Legal Lot Number	3
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	NORTHWEST YELLOWSTONE
Census Block Group	2
Census Block	2043
Census Tract	1403

Owner

1509 Saddle Ridge Rd is owned by two individuals who bought it in September 2021.

Source: Yellowstone County records, as of September 9, 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
Sep 15, 2021	Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Jul 6, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 20, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 1, 2019	Warranty Deed, Transfer · FHA Mortgage WESTERN SECURITY BANK
Oct 11, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2021 · Amount on File
Deed Sale	Sep 15, 2021 · Amount on File
Prior Sale	Feb 1, 2019 · Amount on File
Deed Document Number	20213990098
Prior Transfer Date	Apr 14, 2018
Prior Transfer Doc	0003865020
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	1509 SADDLE RIDGE RD, LAUREL, MT 59044-8381
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

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Sep 15, 2021
Property Address	1509 SADDLE RIDGE RD, LAUREL, MT 59044-8381
Document Number	0003990098
Map Reference	DOC 3583369
Instrument Date	Sep 13, 2021
Instrument	3990098
Transaction Type	Transfer
Record Updated	Sep 29, 2021
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	1509 SADDLE RIDGE RD, LAUREL, MT 59044-8381

Mortgage

Document Number	0003990099
Date	Sep 15, 2021
Instrument	3990099

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	1509 SADDLE RIDGE RD, LAUREL, MT 59044-8381
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003926641
Date	Jul 6, 2020
Instrument	3926641

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Mar 1, 2049

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Sep 20, 2019
Property Address	1509 SADDLE RIDGE RD, LAUREL, MT 59044-8381
Document Number	0003896983
Instrument Date	Sep 12, 2019
Instrument	3896983
Transaction Type	Transfer
Record Updated	Oct 1, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1509 SADDLE RIDGE RD LAUREL MT 590448381, LAUREL, MT 59044-8381

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Feb 1, 2019
Property Address	1509 SADDLE RIDGE RD, LAUREL, MT 59044-8381
Document Number	0003874841
Instrument Date	Jan 29, 2019
Instrument	3874841
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1509 SADDLE RIDGE RD, LAUREL, MT 59044-8381

Mortgage

Document Number	0003874842
Date	Feb 1, 2019
Instrument	3874842

Lender

Name	WESTERN SECURITY BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Oct 11, 2018
Property Address	1509 SADDLE RIDGE RD, LAUREL, MT 59044-8381
Document Number	0003865020
Instrument Date	Apr 14, 2016
Instrument	3865020
Transaction Type	Transfer
Record Updated	Oct 22, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7623 N LEOPARD AVE BILLINGS MT 591062510, BILLINGS, MT 59106-2510

Tax Assessment & Valuation

The 2025 property tax bill for 1509 Saddle Ridge Rd was $2,310, down 16.8% 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		$504,800 (-) Land $91,674 Building $413,126	$504,800 (-) Land $91,674 Building $413,126
2025	$2,310.00 (-16.85%)	$504,800 Land $91,674 Building $413,126	$504,800 Land $91,674 Building $413,126
2024	$2,778.00 (+7.72%)
2023	$2,579.00	$407,100	$407,100 Land $73,281 Building $333,819

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

Flood

FEMA maps place 1509 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 1509 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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