2320 Charo Cir, Belgrade, MT 59714 Property Records

Gallatin County property record for 2320 Charo Cir, Belgrade, MT 59714

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,466 sqft · built 2017
Lot Size	0.198 acres (8,668 sqft)
Owner	Individual Name on Record
Tax Bill	$4,903 (2023)
Deeds & Mortgages	Feb 2024 Mortgage Nov 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`00REG68828`

Property Details

APN / Parcel Number

Primary APN	`00REG68828`
Alternative APNs	`06-1011-32-3-03-09-0000` `R825864`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,466 sqft Living Area
Gross Area	2,240 sqft
1st Floor Area	1,466 sqft
Basement Area	672 sqft
Finished Basement	672 sqft

Exterior

Year Built	Built 2017
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,668 sqft (0.198 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	96 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	00REG68828
Street Address	2320 CHARO CIR
City	BELGRADE
State	MT
Zip	59714-6504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWLARK RANCH SUB 2ND FILING, S32, T01 N, R05 E, BLOCK 3, LOT 5, PLAT J-586
Legal Range	05E
Legal Township	01N
Legal Section	32
Legal Quarter	SW
Legal Subdivision	MEADOWLARK RANCH SUB 2ND FILING
Legal Block	3
Legal Lot Number	5
Jurisdiction	GALLATIN MT
Township / Civil Division	BELGRADE
Census Block Group	3
Census Block	3024
Census Tract	101

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
Co-owner	Co-owner on Record
Mailing Address	2320 CHARO CIR, BELGRADE, MT 59714-6504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO
Mar 27, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST INTERSTATE MORTGAGE
Nov 24, 2020	Warranty Deed, Transfer · Conventional Mortgage STOCKMAN BANK
Nov 8, 2017	Warranty Deed, Transfer · Conventional Mortgage UNIVERSAL LENDING CORP
Aug 18, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST INTERSTATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2020
Deed Sale	Nov 24, 2020
Prior Sale	Nov 8, 2017
Deed Document Number	2710066
Record Updated	Jun 7, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	2320 CHARO CIR, BELGRADE, MT 59714-6504
Transaction Type	Mortgage
Record Updated	Mar 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 CHARO CIR, BELGRADE, MT 59714-6504

Mortgage

Document Number	0002821218
Date	Feb 29, 2024
Instrument	2821218

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	2320 CHARO CIR, BELGRADE, MT 59714-6504
Transaction Type	Mortgage
Record Updated	Nov 12, 2021
Title Company	INSURED TITLE, INSURED TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2756905
Date	Nov 2, 2021
Instrument	2756905

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	2320 CHARO CIR, BELGRADE, MT 59714-6504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE COMPANY, AMERICAN LAND TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2575510
Date	Mar 27, 2017
Instrument	2575510

Lender

Name	FIRST INTERSTATE MORTGAGE
Type	Mortgage Company
Address	BILLINGS, MT 59107

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	7 Months
Due	Oct 15, 2017

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN MT
Recording Date	Nov 24, 2020
Property Address	2320 CHARO CIR, BELGRADE, MT 59714-6504
Document Number	2710066
Instrument Date	Nov 19, 2020
Instrument	2710066
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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
Address	2320 CHARO CIR, BELGRADE, MT 59714-6504

Mortgage

Document Number	2710067
Date	Nov 24, 2020
Instrument	2710067

Lender

Name	STOCKMAN BANK
Type	Bank

Agreement

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

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN MT
Recording Date	Nov 8, 2017
Property Address	2320 CHARO CIR, BELGRADE, MT 59714-6504
Document Number	2598013
Instrument Date	Oct 2, 2017
Instrument	2598013
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	AMERICAN LAND TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	175 N 27TH ST # ST900, 175, BILLINGS, MT 59101-2048

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2323 STURNELLA LN, BELGRADE, MT 59714-7725

Mortgage

Document Number	2598014
Date	Nov 8, 2017
Instrument	2598014

Lender

Name	UNIVERSAL LENDING CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN MT
Recording Date	Aug 18, 2017
Property Address	2320 CHARO CIR, BELGRADE, MT 59714-6504
Document Number	2589858
Map Reference	PL J-586
Instrument Date	Aug 16, 2017
Instrument	2589858
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	AMERICAN TITLE COMPANY, AMERICAN LAND TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	175 N 27TH ST # ST900, 175, BILLINGS, MT 59101-2048

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 CHARO CIR, BELGRADE, MT 59714-6504

Mortgage

Document Number	2589859
Date	Aug 18, 2017
Instrument	2589859

Lender

Name	FIRST INTERSTATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Montana
County	Gallatin County
Municipality	Belgrade City
Elementary School District	Belgrade Elementary School District (PK - 08)
Secondary School District	Belgrade High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,903.00	$577,700	$577,700 Land $105,349 Building $472,351

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (1981–2011)
Claims Outside the SFHA	3 of 4
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 BELGRADE serves 10,460 people · EPA ID MT0000136
Water Source	Groundwater
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
SkyNet Communications Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Montana Opticom.

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