2328 Charo Cir, Belgrade, MT 59714 Property Records

Gallatin County property record for 2328 Charo Cir, Belgrade, MT 59714

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,331 sqft · built 2017
Lot Size	0.245 acres (10,672 sqft)
Owner	2 Individual Names on Record
Last Sale	$580,944 (Jun 2025)
Tax Bill	$2,545 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2017 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00REG68832`

Property Details

APN / Parcel Number

Primary APN	`00REG68832`
Alternative APNs	`06-1011-32-3-03-17-0000` `R825868`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,331 sqft Living Area
1st Floor Area	1,331 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,672 sqft (0.245 acres)
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	00REG68832
Street Address	2328 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 9, PLAT J-586
Legal Range	05E
Legal Township	01N
Legal Section	32
Legal Subdivision	MEADOWLARK RANCH SUB 2ND FILING
Legal Block	3
Legal Lot Number	9
Jurisdiction	GALLATIN MT
Township / Civil Division	BELGRADE
Census Block Group	3
Census Block	3024
Census Tract	101

Owner

Source: Gallatin County records, as of March 27, 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	2328 CHARO CIR, BELGRADE, MT 59714-6504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
May 17, 2017	Deed of Trust, Mortgage · Construction Mortgage FIRST INTERSTATE BANK
Sep 1, 2017	Warranty Deed, Transfer · Conventional Mortgage ROCKY MOUNTAIN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2025 · Amount on Record
Deed Sale	Jun 20, 2025 · Amount on Record
Prior Sale	Sep 1, 2017 · Amount on Record
Deed Document Number	20252853070
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	2328 CHARO CIR, BELGRADE, MT 59714-6504
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2725170
Date	Mar 19, 2021
Instrument	2725170

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	2328 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	2580078
Date	May 17, 2017
Instrument	2580078

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	BILLINGS, MT 59107

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Nov 15, 2017

Interest

Rate Type	Adjustable Rate

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN MT
Recording Date	Sep 1, 2017
Property Address	2328 CHARO CIR, BELGRADE, MT 59714-6504
Document Number	2591656
Map Reference	PL J-586
Instrument Date	Aug 30, 2017
Instrument	2591656
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
Relationship	Joint Tenants with Right of Survivorship
Address	2328 CHARO CIR, BELGRADE, MT 59714-6504

Mortgage

Document Number	2591657
Date	Sep 1, 2017
Instrument	2591657

Lender

Name	ROCKY MOUNTAIN CU
Type	Credit Union

Agreement

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

Tax Assessment & Valuation

Source: Gallatin County assessment roll, as of September 23, 2025

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
2025	$2,545.00 (-44.05%) Homeowner's exemption	$544,900 (+6.49%)	$544,900 (+6.49%) Land $194,500 Building $350,400
2023	$4,549.00	$511,700	$511,700 Land $112,590 Building $399,110

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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