3123 Reflections Cir, Billings, MT 59106 Property Records

Yellowstone County property record for 3123 Reflections Cir, Billings, MT 59106

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,438 sqft · built 2016
Lot Size	0.32 acres (13,935 sqft)
Owner	2 Individual Names on File
Last Sale	$267,900 (Jun 2017)
Tax Bill	$2,801 (2025)
Deeds & Mortgages	Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000A349860`

Property Details

APN / Parcel Number

Primary APN	`000A349860`
Alternative APNs	`03-1031-25-4-03-15-0000` `R801864` `A34986`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,438 sqft Living Area
1st Floor Area	1,438 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Ranch
Exterior Material	Frame
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,935 sqft (0.32 acres)
View / Lot	Neighborhood / Spot
Garage Area	722 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Frame Porch
Porch Area	80 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	3123 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 8
Legal Range	24E
Legal Township	01N
Legal Section	25
Legal Subdivision	REFLECTIONS AT COPPER RIDGE SUB 3RD FILI
Legal Block	1
Legal Lot Number	8
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	NORTHWEST YELLOWSTONE
Census Block Group	2
Census Block	2019
Census Tract	1403

Owner

3123 Reflections Cir is owned and occupied by two individuals who bought it in June 2017.

Source: Yellowstone County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3123 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2017 · Amount on File
Deed Sale	Jun 2, 2017 · Amount on File
Deed Document Number	20173815548
Record Updated	Oct 29, 2026

June 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Jun 2, 2017
Property Address	3123 REFLECTIONS CIR, BILLINGS, MT 59106-2275
Document Number	0003815548
Instrument Date	Jun 2, 2017
Instrument	3815548
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 13, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3123 REFLECTIONS CIR BILLINGS MT 59106, BILLINGS, MT 59106

Mortgage

Document Number	3815549
Date	Jun 2, 2017
Instrument	3815549

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3123 Reflections Cir was $2,801, down 25.4% 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		$418,800 (-) Land $99,112 Building $319,688	$418,800 (-) Land $99,112 Building $319,688
2025	$2,801.00 (-25.37%)	$418,800 Land $99,112 Building $319,688	$418,800 Land $99,112 Building $319,688
2024	$3,753.00 (+10.41%)
2023	$3,399.00	$380,900	$380,900 Land $87,060 Building $293,840

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

Flood

FEMA maps place 3123 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

Wildfire risk around 3123 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.

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 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