Yellowstone County property record for 3121 Reflections Cir, Billings, MT 59106
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,002 sqft · built 2013 |
| Lot Size | 0.317 acres (13,819 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $394,500 (Jul 2019) |
| Tax Bill | $4,069 (2025) |
| Deeds & Mortgages | Jun 2019 Refinance Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 000A349870 |
| Primary APN | 000A349870 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,002 sqft Living Area |
| Gross Area | 3,160 sqft |
| 1st Floor Area | 1,580 sqft |
| Basement Area | 1,580 sqft |
| Finished Basement | 1,422 sqft |
| Unfinished Basement | 158 sqft |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,819 sqft (0.317 acres) |
| View / Lot | Neighborhood / Spot |
| Garage Area | 1,160 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 346 sqft |
| Deck Area | 64 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3121 REFLECTIONS CIR |
|---|---|
| City | BILLINGS |
| State | MT |
| Zip | 59106-2275 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REFLECTIONS AT COPPER RIDGE SUB 3RD FILING (14), S25, T01 N, R24 E, BLOCK 1, LOT 9 |
| Legal Range | 24E |
| Legal Township | 01N |
| Legal Section | 25 |
| Legal Subdivision | REFLECTIONS AT COPPER RIDGE SUB 3RD FILI |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | YELLOWSTONE MT |
| Township / Civil Division | NORTHWEST YELLOWSTONE |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 1403 |
3121 Reflections Cir is owned and occupied by two individuals who bought it in July 2019.
Source: Yellowstone County records, as of September 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3121 REFLECTIONS CIR, BILLINGS, MT 59106-2275 |
| 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.
| Date | Document |
|---|---|
| Jun 18, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST INTERSTATE BANK |
| Sep 2, 2020 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jul 29, 2019 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2019 · Amount on File |
| Deed Sale | Jul 29, 2019 · Amount on File |
| Prior Sale | Aug 29, 2014 |
| Deed Document Number | 20193890171 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Property Address | 3121 REFLECTIONS CIR, BILLINGS, MT 59106-2275 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0003886244 |
|---|---|
| Date | Jun 18, 2019 |
| Instrument | 3886244 |
| Name | FIRST INTERSTATE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Property Address | 3121 REFLECTIONS CIR, BILLINGS, MT 59106-2275 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0003936789 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | 3936789 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Recording Date | Jul 29, 2019 |
| Property Address | 3121 REFLECTIONS CIR, BILLINGS, MT 59106-2275 |
| Document Number | 0003890171 |
| Instrument Date | Jul 29, 2019 |
| Instrument | 3890171 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3121 REFLECTIONS CIR BILLINGS MT 591062275, BILLINGS, MT 59106-2275 |
| Document Number | 3890172 |
|---|---|
| Date | Jul 29, 2019 |
| Instrument | 3890172 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 28, 2049 |
The 2025 property tax bill for 3121 Reflections Cir was $4,069, down 14.8% from the year before.
Source: Yellowstone County assessment roll, as of September 9, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $573,600 (-) Land $98,723 Building $474,877 | $573,600 (-) Land $98,723 Building $474,877 | |
| 2025 | $4,069.00 (-14.82%) | $573,600 Land $98,723 Building $474,877 | $573,600 Land $98,723 Building $474,877 |
| 2024 | $4,777.00 (+8.25%) | ||
| 2023 | $4,413.00 | $494,500 | $494,500 Land $86,907 Building $407,593 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3121 Reflections Cir 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 risk around 3121 Reflections Cir is high, ranking above 70% 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 | High above 70% of the US · above 49% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 93 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 |
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