Yellowstone County property record for 2040 Saddleback Dr, Laurel, MT 59044
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,682 sqft · built 2003 |
| Lot Size | 0.516 acres (22,477 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,559 (2025) |
| Deeds & Mortgages | May 2017 Line of Credit Apr 2021 Sale + 2 more |
| Flood Zone | Zone D (undetermined) |
| APN | 000C140580 |
| Primary APN | 000C140580 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,682 sqft Living Area |
| Gross Area | 3,876 sqft |
| 1st Floor Area | 1,938 sqft |
| Basement Area | 1,938 sqft |
| Finished Basement | 1,744 sqft |
| Unfinished Basement | 194 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,477 sqft (0.516 acres) |
| View / Lot | Golf Course |
| Garage Area | 1,048 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 334 sqft |
| Deck Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 2040 SADDLEBACK DR |
|---|---|
| City | LAUREL |
| State | MT |
| Zip | 59044-3634 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SADDLEBACK RIDGE ESTATES, S06, T02 S, R24 E, BLOCK 1, LOT 8, 22489 SQUARE FEET |
| Legal Range | 24E |
| Legal Township | 02S |
| Legal Section | 06 |
| Legal Subdivision | SADDLEBACK RIDGE ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | YELLOWSTONE MT |
| Township / Civil Division | LAUREL |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 1403 |
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 | 2040 SADDLEBACK DR, LAUREL, MT 59044-3634 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 15, 2017 | Deed of Trust, Mortgage · Line of Credit WESTERN SECURITY BANK |
| Apr 26, 2021 | Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE |
| Jul 15, 2020 | Deed of Trust, Mortgage · VA Mortgage MR COOPER |
| May 4, 2018 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2021 |
| Deed Sale | Apr 26, 2021 |
| Prior Sale | May 4, 2018 · Amount on Record |
| Deed Document Number | 20213969468 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Property Address | 2040 SADDLEBACK DR, LAUREL, MT 59044-3634 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0003813847 |
|---|---|
| Date | May 15, 2017 |
| Instrument | 3813847 |
| Name | WESTERN SECURITY BANK |
|---|---|
| Type | Bank |
| Address | LAUREL, MT 59044 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Recording Date | Apr 26, 2021 |
| Property Address | 2040 SADDLEBACK DR, LAUREL, MT 59044-3634 |
| Document Number | 0003969468 |
| Map Reference | DOC 3187831 |
| Instrument Date | Apr 19, 2021 |
| Instrument | 3969468 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2021 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2040 SADDLEBACK DR, LAUREL, MT 59044-3634 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Property Address | 2040 SADDLEBACK DR, LAUREL, MT 59044-3634 |
| Document Number | 0003928527 |
| Instrument Date | Jul 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2040 SADDLEBACK DR LAUREL MT 590443634, LAUREL, MT 59044-3634 |
| Document Number | 0003928527 |
|---|---|
| Date | Jul 21, 2020 |
| Instrument | 3928527 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 20, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Recording Date | May 4, 2018 |
| Property Address | 2040 SADDLEBACK DR, LAUREL, MT 59044-3634 |
| Document Number | 0003848344 |
| Instrument Date | May 4, 2018 |
| Instrument | 3848344 |
| Transaction Type | Transfer |
| Record Updated | May 31, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2040 SADDLEBACK DR LAUREL MT 590443634, LAUREL, MT 59044-3634 |
| Document Number | 3848345 |
|---|---|
| Date | May 4, 2018 |
| Instrument | 3848345 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 3, 2048 |
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 | $699,500 (-) Land $101,688 Building $597,812 | $699,500 (-) Land $101,688 Building $597,812 | |
| 2025 | $3,559.00 (-13.3%) | $699,500 (+17.98%) Land $101,688 Building $597,812 | $699,500 (+17.98%) Land $101,688 Building $597,812 |
| 2024 | $4,105.00 (+9.32%) | ||
| 2023 | $3,755.00 | $592,900 | $592,900 Land $94,769 Building $498,131 |
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 D undetermined · not studied |
|---|---|
| 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 | Moderate above 56% of the US · lower than 68% of Montana |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| Wisp West Fixed Wireless | 100 / 20 |
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