Yellowstone County property record for 2390 Ranch Trail Rd, Laurel, MT 59044
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,505 sqft · built 2012 |
| Lot Size | 0.656 acres (28,575 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $375,000 (Aug 2016) |
| Tax Bill | $4,109 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Mar 2023 Mortgage + 1 more |
| Flood Zone | Zone D (undetermined) |
| APN | 000C154540 |
| Primary APN | 000C154540 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,505 sqft Living Area |
| Gross Area | 3,684 sqft |
| 1st Floor Area | 1,890 sqft |
| Basement Area | 1,794 sqft |
| Finished Basement | 1,615 sqft |
| Unfinished Basement | 179 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 28,575 sqft (0.656 acres) |
| View / Lot | Neighborhood / Spot |
| Garage Area | 1,560 sqft |
| Parking Spaces | 9 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 538 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 2390 RANCH TRAIL RD |
|---|---|
| City | LAUREL |
| State | MT |
| Zip | 59044-3641 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SADDLEBACK RIDGE ESTATES SUB 2ND FIL, S06, T02 S, R24 E, BLOCK 3, LOT 14, ACRES 0.656 |
| Legal Range | 24E |
| Legal Township | 02S |
| Legal Section | 06 |
| Legal Subdivision | SADDLEBACK RIDGE ESTATES SUB 2ND FIL |
| Legal Block | 3 |
| Legal Lot Number | 14 |
| Jurisdiction | YELLOWSTONE MT |
| Township / Civil Division | LAUREL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 1403 |
2390 Ranch Trail Rd is owned and occupied by two individuals who bought it in August 2016.
Source: Yellowstone County records, as of September 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2390 RANCH TRAIL RD, LAUREL, MT 59044-3641 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Sep 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage US BANK |
| Mar 23, 2023 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Feb 3, 2017 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2016 · Amount on File |
| Deed Sale | Aug 19, 2016 · Amount on File |
| Prior Sale | Apr 12, 2013 · Amount on File |
| Deed Document Number | 20163787022 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Recording Date | Sep 16, 2026 |
| Property Address | 2390 RANCH TRAIL RD, LAUREL, MT 59044-3641 |
| Document Number | 0004146568 |
| Instrument Date | Sep 9, 2026 |
| Instrument | 20264146568 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2390 RANCH TRAIL RD, LAUREL, MT 59044-3641 |
| Document Number | 0004146568, |
|---|---|
| Date | Sep 16, 2026 |
| Instrument | 20264146568 |
| Name | US BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Property Address | 2390 RANCH TRAIL RD, LAUREL, MT 59044-3641 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2390 RANCH TRAIL RD, LAUREL, MT 59044-3641 |
| Document Number | 0004043222 |
|---|---|
| Date | Mar 23, 2023 |
| Instrument | 4043222 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | LAUREL, MT 59044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Apr 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.7% |
| Index | 1-Year T-Bill |
| Max Rate | 11.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Property Address | 2390 RANCH TRAIL RD, LAUREL, MT 59044-3641 |
| Document Number | 0003806392 |
| Instrument Date | Feb 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2390 RANCH TRAIL RD LAUREL MT 590443641, LAUREL, MT 59044-3641 |
| Document Number | 0003806392 |
|---|---|
| Date | Feb 27, 2017 |
| Instrument | 3806392 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | BILLINGS, MT 59101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 26, 2042 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 2390 Ranch Trail Rd was $4,109, down 10.3% from the year before.
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 | $800,400 (-) Land $114,106 Building $686,294 | $800,400 (-) Land $114,106 Building $686,294 | |
| 2025 | $4,109.00 (-10.32%) | $800,400 Land $114,106 Building $686,294 | $800,400 Land $114,106 Building $686,294 |
| 2024 | $4,582.00 (+8.37%) | ||
| 2023 | $4,228.00 | $667,500 | $667,500 Land $97,538 Building $569,962 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2390 Ranch Trail 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 |
| 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.
Wildfire risk around 2390 Ranch Trail Rd is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · above 40% of Montana |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Wisp West Fixed Wireless | 100 / 20 |
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