3402 Waterloo Cir, Billings, MT 59101 Property Records

Yellowstone County property record for 3402 Waterloo Cir, Billings, MT 59101

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,344 sqft · built 1998
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on File
Last Sale	$268,800 (Jul 2019)
Tax Bill	$4,516 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000C122330`

Property Details

APN / Parcel Number

Primary APN	`000C122330`
Alternative APNs	`03-0926-33-1-01-25-0000` `R0351640` `C122330` `C12233`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	24 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,344 sqft Living Area
1st Floor Area	2,129 sqft
2nd Floor Area	2,215 sqft
Family Room	Family Room

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	40,511 sqft (0.93 acres)
View / Lot	Neighborhood / Spot
Garage Area	1,400 sqft
Parking Spaces	7 Parking Spaces
Pool Area	960 sqft
Porch	Open Frame Porch
Porch Area	118 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3402 WATERLOO CIR
City	BILLINGS
State	MT
Zip	59101-8000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL SPRING SUBD 1ST FILING, S33, T01 S, R25 E, BLOCK 1, LOT 7, (97)
Legal Range	25E
Legal Township	01S
Legal Section	33
Legal Subdivision	CRYSTAL SPRING SUBD 1ST FILING
Legal Block	1
Legal Lot Number	7
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	LAUREL
Census Block Group	3
Census Block	3053
Census Tract	1404

Owner

3402 Waterloo 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	3402 WATERLOO CIR, BILLINGS, MT 59101-8000
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
Sep 23, 2025	Deed of Trust, Mortgage · Line of Credit ALTANA FCU
Oct 23, 2018	Deed of Trust, Mortgage WESTERN SECURITY BANK
Jul 3, 2019	Warranty Deed, Transfer · Stand-Alone Refinance YELLOWSTONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2019 · Amount on File
Deed Sale	Jul 3, 2019 · Amount on File
Deed Document Number	20193887903
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	3402 WATERLOO CIR, BILLINGS, MT 59101-8000
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004115295
Date	Sep 23, 2025
Instrument	4115295

Lender

Name	ALTANA FCU
Type	Credit Union
Address	BILLINGS, MT 59102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 22, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	3402 WATERLOO CIR, BILLINGS, MT 59101-8000
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003866216
Date	Oct 23, 2018
Instrument	000003866216

Lender

Name	WESTERN SECURITY BANK
Type	Bank

Agreement

Amount	Amount on Record

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Jul 3, 2019
Property Address	3402 WATERLOO CIR, BILLINGS, MT 59101-8000
Document Number	0003887903
Instrument Date	Jun 26, 2019
Instrument	3887903
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3402 WATERLOO CIR, BILLINGS, MT 59101-8000

Mortgage

Document Number	0003887904
Date	Jul 3, 2019
Instrument	3887904

Lender

Name	YELLOWSTONE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 3402 Waterloo Cir was $4,516, down 27.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$814,800 (-) Land $117,119 Building $697,681	$814,800 (-) Land $117,119 Building $697,681
2025	$4,516.00 (-27.76%)	$814,800 Land $117,119 Building $697,681	$814,800 Land $117,119 Building $697,681
2024	$6,251.00 (+26.44%)
2023	$4,944.00	$838,300	$838,300 Land $110,064 Building $728,236

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

Flood

FEMA maps place 3402 Waterloo Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jun 2023 · rainfall accumulation

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 3402 Waterloo Cir is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 98.6% of Montana
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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	CRYSTAL SPRINGS WATER SYSTEM serves 225 people · EPA ID MT0003986
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	4 ppb (2022–2024) action level 15 ppb
Copper	1.55 mg/L (2015–2017) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Nitrate-Nitrite not recorded as resolved · Jan 2025
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 130 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
Wisp West Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: TCT Internet.

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