20 E Garfield St, Bozeman, MT 59715 Property Records

Gallatin County property record for 20 E Garfield St, Bozeman, MT 59715

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,948 sqft · built 1963
Lot Size	0.312 acres (13,591 sqft)
Owner	Individual Name on Record
Tax Bill	$4,504 (2023)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`000RGH4473`

Property Details

APN / Parcel Number

Primary APN	`000RGH4473`
Alternative APNs	`06-0799-18-2-05-03-0000` `R0687380`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	7 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,948 sqft Living Area
1st Floor Area	1,948 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,591 sqft (0.312 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	148 sqft
Deck Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	000RGH4473
Street Address	20 E GARFIELD ST
City	BOZEMAN
State	MT
Zip	59715-5648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	UNIVERSITY SUB, S18, T02 S, R06 E, BLOCK 1, LOT 1A - 1B, AMND PLAT F-29-A
Legal Range	06E
Legal Township	02S
Legal Section	18
Legal Quarter	NW
Legal Subdivision	UNIVERSITY SUB
Legal Block	1
Legal Lot Number	1A-1B
Jurisdiction	GALLATIN MT
Township / Civil Division	BOZEMAN
Census Block Group	1
Census Block	1015
Census Tract	1002

Owner

Source: Gallatin County records, as of February 19, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20 E GARFIELD ST, BOZEMAN, MT 59715-5648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jan 28, 2020	Warranty Deed, Transfer · Conventional Mortgage STOCKMAN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2020
Deed Sale	Jan 28, 2020
Deed Document Number	2671342
Record Updated	Jun 7, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	20 E GARFIELD ST, BOZEMAN, MT 59715-5648
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002764092
Date	Jan 11, 2022
Instrument	2764092

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN MT
Recording Date	Jan 28, 2020
Property Address	20 E GARFIELD ST, BOZEMAN, MT 59715-5648
Document Number	2671342
Map Reference	PL F-29-A
Instrument Date	Jan 25, 2020
Instrument	2671342
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	SECURITY TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 E GARFIELD ST, BOZEMAN, MT 59715-5648

Mortgage

Document Number	2671343
Date	Jan 28, 2020
Instrument	2671343

Lender

Name	STOCKMAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

Source: Gallatin County assessment roll, as of December 31, 2022

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
2023	$4,504.00	$699,500	$699,500 Land $311,879 Building $387,621

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 July 30, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.8% 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 234 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
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Global Net, T-Mobile.

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