Yellowstone County property record for 2645 Ranch Trail Rd, Laurel, MT 59044
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,160 sqft · built 2008 |
| Lot Size | 0.594 acres (25,875 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,060,500 (Aug 2026) |
| Tax Bill | $3,235 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Reverse Mortgage Jan 2022 Mortgage + 2 more |
| Flood Zone | Zone D (undetermined) |
| APN | 000C154620 |
| Primary APN | 000C154620 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,160 sqft Living Area |
| Gross Area | 3,420 sqft |
| 1st Floor Area | 1,710 sqft |
| Basement Area | 1,710 sqft |
| Finished Basement | 1,450 sqft |
| Unfinished Basement | 260 sqft |
| Family Room | Family Room |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 25,875 sqft (0.594 acres) |
| View / Lot | Neighborhood / Spot |
| Garage Area | 844 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 177 sqft |
| Deck Area | 252 sqft |
| Patio Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 2645 RANCH TRAIL RD |
|---|---|
| City | LAUREL |
| State | MT |
| Zip | 59044-3644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SADDLEBACK RIDGE ESTATES SUB 2ND FIL, S06, T02 S, R24 E, BLOCK 4, LOT 4, ACRES 0.594 |
| Legal Range | 24E |
| Legal Township | 02S |
| Legal Section | 06 |
| Legal Subdivision | SADDLEBACK RIDGE ESTATES SUB 2ND FIL |
| Legal Block | 4 |
| Legal Lot Number | 4 |
| Jurisdiction | YELLOWSTONE MT |
| Township / Civil Division | LAUREL |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 1403 |
Source: Yellowstone County records, as of August 18, 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 | 2645 RANCH TRAIL RD, LAUREL, MT 59044-3644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 10, 2026 | Warranty Deed, Transfer · Reverse Mortgage MORTGAGE MORTGAGE |
| Jan 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC |
| Aug 2, 2019 | Warranty Deed, Transfer · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP |
| Aug 4, 2017 | Warranty Deed, Transfer · Conventional Mortgage WESTERN SECURITY BANK- DIV GLACIER BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2026 · Amount on Record |
| Deed Sale | Aug 10, 2026 · Amount on Record |
| Prior Sale | Aug 2, 2019 · Amount on Record |
| Deed Document Number | 20264141981 |
| Prior Transfer Date | Mar 24, 2009 |
| Prior Transfer Doc | 0003500138 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Recording Date | Aug 10, 2026 |
| Property Address | 2645 RANCH TRAIL RD, LAUREL, MT 59044-3644 |
| Document Number | 0004141981 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 20264141981 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2026 |
| Title Company | STEWART TITLE COMPANY (BA), STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2645 RANCH TRAIL RD, LAUREL, MT 59044-3644 |
| Document Number | 0004141982, |
|---|---|
| Date | Aug 10, 2026 |
| Instrument | 20264141982 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 990 Months |
| Due | Feb 6, 2109 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Number | 0004141983, |
|---|---|
| Date | Aug 10, 2026 |
| Instrument | 20264141983 |
| Name | FEDERAL HOUSING COMMISSIONER |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 996 Months |
| Due | Feb 6, 2109 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Property Address | 2645 RANCH TRAIL RD, LAUREL, MT 59044-3644 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2022 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0004006547 |
|---|---|
| Date | Jan 31, 2022 |
| Instrument | 4006547 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Recording Date | Aug 2, 2019 |
| Property Address | 2645 RANCH TRAIL RD, LAUREL, MT 59044-3644 |
| Document Number | 0003890889 |
| Instrument Date | Aug 2, 2019 |
| Instrument | 3890889 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2645 RANCH TRAIL RD, LAUREL, MT 59044-3644 |
| Document Number | 0003890890 |
|---|---|
| Date | Aug 2, 2019 |
| Instrument | 3890890 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Recording Date | Aug 4, 2017 |
| Property Address | 2645 RANCH TRAIL RD, LAUREL, MT 59044-3644 |
| Document Number | 0003822156 |
| Map Reference | DOC 3366424 |
| Instrument Date | Aug 4, 2017 |
| Instrument | 3822156 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2645 RANCH TRAIL RD, LAUREL, MT 59044-3644 |
| Document Number | 0003822157 |
|---|---|
| Date | Aug 4, 2017 |
| Instrument | 3822157 |
| Name | WESTERN SECURITY BANK- DIV GLACIER BANK |
|---|---|
| Type | Non-Lending Institution |
| Address | BILLINGS, MT 59102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2047 |
Source: Yellowstone County assessment roll, as of September 15, 2025
| 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 |
|---|---|---|---|
| 2025 | $3,235.00 (-13.55%) | $643,900 (+20.13%) Land $108,796 Building $535,104 | $643,900 (+20.13%) Land $108,796 Building $535,104 |
| 2024 | $3,742.00 (+10.22%) | ||
| 2023 | $3,395.00 | $536,000 | $536,000 Land $96,383 Building $439,617 |
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 65% of the US · above 43% 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 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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