2985 W Copper Ridge Loop, Billings, MT 59106 Property Records

Yellowstone County property record for 2985 W Copper Ridge Loop, Billings, MT 59106

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 2015
Lot Size	0.231 acres (10,071 sqft)
Owner	2 Individual Names on File
Last Sale	$310,400 (May 2021)
Tax Bill	$3,048 (2025)
Deeds & Mortgages	Jun 2021 Second Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`000A353310`

Property Details

APN / Parcel Number

Primary APN	`000A353310`
Alternative APNs	`03-1031-25-3-08-36-0000` `R808266` `A35331`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,500 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,071 sqft (0.231 acres)
View / Lot	Neighborhood / Spot
Garage Area	752 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Frame Porch
Porch Area	220 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2985 W COPPER RIDGE LOOP
City	BILLINGS
State	MT
Zip	59106-2673
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COPPER RIDGE SUB 5TH FILING (15), S25, T01 N, R24 E, BLOCK 6, LOT 36
Legal Range	24E
Legal Township	01N
Legal Section	25
Legal Subdivision	COPPER RIDGE SUB 5TH FILING (15)
Legal Block	6
Legal Lot Number	36
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	NORTHWEST YELLOWSTONE
Census Block Group	2
Census Block	2092
Census Tract	1403

Owner

2985 W Copper Ridge Loop is owned and occupied by two individuals who bought it in May 2021.

Source: Yellowstone County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2985 W COPPER RIDGE LOOP, BILLINGS, MT 59106-2673
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNIVERSAL LENDING CORP
May 21, 2021	Warranty Deed, Transfer · FHA Mortgage UNIVERSAL LENDING CORP
Nov 1, 2018	Loan Modification, Mortgage STOCKMAN BK/MT
Jul 27, 2017	Loan Modification, Mortgage STOCKMAN BK/MT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2021 · Amount on File
Deed Sale	May 21, 2021 · Amount on File
Prior Sale	Dec 9, 2015 · Amount on File
Deed Document Number	20213973241
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	2985 W COPPER RIDGE LOOP, BILLINGS, MT 59106-2673
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003977433
Date	Jun 23, 2021
Instrument	3977433

Lender

Name	UNIVERSAL LENDING CORP
Type	Mortgage Company
Address	DENVER, CO 80224

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2036

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	May 21, 2021
Property Address	2985 W COPPER RIDGE LOOP, BILLINGS, MT 59106-2673
Document Number	0003973241
Map Reference	DOC 3698744
Instrument Date	May 21, 2021
Instrument	3973241
Transaction Type	Transfer
Record Updated	Jun 9, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5344 FRONTIER DR, 5344, BILLINGS, MT 59101-8917

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2985 W COPPER RIDGE LOOP, BILLINGS, MT 59106-2673

Mortgage

Document Number	0003973242
Date	May 21, 2021
Instrument	3973242

Lender

Name	UNIVERSAL LENDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Mortgage

Document Number	0003973243
Date	May 21, 2021
Instrument	3973243

Lender

Name	UNIVERSAL LENDING CORP
Type	Mortgage Company
Address	DENVER, CO 80224

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 21, 2036

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	YELLOWSTONE MT
Property Address	2985 W COPPER RIDGE LOOP, BILLINGS, MT 59106-2673
Document Number	0003868705
Instrument Date	Nov 1, 2018
Transaction Type	Mortgage
Record Updated	Dec 3, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	175 N 27TH ST #900 BILLINGS MT 591012065, 900, BILLINGS, MT 59101-2065

Mortgage

Document Number	0003868705
Date	Nov 20, 2018
Instrument	3868705

Lender

Name	STOCKMAN BK/MT
Type	Bank
Address	2700 KING AVE W, BILLINGS, MT 59102-6430

Agreement

Amount	Amount on Record
Term	12 Months
Due	Nov 19, 2019

Interest

Rate Type	Adjustable Rate

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	YELLOWSTONE MT
Property Address	2985 W COPPER RIDGE LOOP, BILLINGS, MT 59106-2673
Document Number	0003821605
Instrument Date	Jul 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 7, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	175 N 27TH ST #900 BILLINGS MT 591012065, 900, BILLINGS, MT 59101-2065

Mortgage

Document Number	0003821605
Date	Aug 1, 2017
Instrument	3821605

Lender

Name	STOCKMAN BK/MT
Type	Bank
Address	2700 KING AVE W, BILLINGS, MT 59102-6430

Agreement

Amount	Amount on Record
Term	12 Months
Due	Jul 31, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2985 W Copper Ridge Loop was $3,048, down 20.6% from the year before.

Source: Yellowstone County assessment roll, as of September 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$415,100 (-) Land $85,082 Building $330,018	$415,100 (-) Land $85,082 Building $330,018
2025	$3,048.00 (-20.6%)	$415,100 Land $85,082 Building $330,018	$415,100 Land $85,082 Building $330,018
2024	$3,839.00 (+19.71%)
2023	$3,207.00	$359,400	$359,400 Land $69,303 Building $290,097

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2985 W Copper Ridge Loop in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 23, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire risk around 2985 W Copper Ridge Loop 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

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 BILLINGS serves 114,000 people · EPA ID MT0000153
Water Source	Surface water
Last State Inspection	May 2025
Lead	3 ppb (2024–2026) 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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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