405 13th St, Belgrade, MT 59714 Property Records

Gallatin County property record for 405 13th St, Belgrade, MT 59714

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,318 sqft · built 2020
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$458,400 (Aug 2020)
Tax Bill	$3,865 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Jul 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`00REF82931`

Property Details

APN / Parcel Number

Primary APN	`00REF82931`
Alternative APNs	`06-1010-35-3-12-05-0000` `R850921`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,318 sqft Living Area
1st Floor Area	2,318 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	256 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	00REF82931
Street Address	405 13TH ST
City	BELGRADE
State	MT
Zip	59714-3149
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STORY CREEK SUB PH 3, S35, T01 N, R04 E, BLOCK 10, LOT 1, ACRES 0.23, PLAT J-655
Legal Range	04E
Legal Township	01N
Legal Section	35
Legal Subdivision	STORY CREEK SUB PH 3
Legal Block	10
Legal Lot Number	1
Jurisdiction	GALLATIN MT
Township / Civil Division	BELGRADE
Census Block Group	2
Census Block	2000
Census Tract	104

Owner

405 13th St is owned and occupied by two individuals who bought it in August 2020.

Source: Gallatin County records, as of September 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	405 13TH ST, BELGRADE, MT 59714-3149
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
Jul 18, 2022	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Jul 14, 2020	Deed of Trust, Mortgage · Construction Mortgage YELLOWSTONE BANK
Aug 28, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC
Jan 2, 2020	Warranty Deed, Transfer STEWART TITLE/CALDWELL, STC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2020 · Amount on File
Deed Sale	Aug 28, 2020 · Amount on File
Prior Sale	Jan 2, 2020
Deed Document Number	20202697657
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	405 13TH ST, BELGRADE, MT 59714-3149
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002781126
Date	Jul 18, 2022
Instrument	2781126

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	405 13TH ST, BELGRADE, MT 59714-3149
Transaction Type	Mortgage
Record Updated	Aug 10, 2021
Title Company	FIRST AMERICAN, FATCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2689079
Date	Jul 14, 2020
Instrument	2689079

Lender

Name	YELLOWSTONE BANK
Type	Bank
Address	BILLINGS, MT 59108

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 1, 2021

Interest

Rate Type	Adjustable Rate

August 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN MT
Recording Date	Aug 28, 2020
Property Address	405 13TH ST, BELGRADE, MT 59714-3149
Document Number	2697657
Instrument Date	Aug 25, 2020
Instrument	2697657
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 10, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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
Address	405 13TH STREET, BELGRADE, MT 59714-3149

Mortgage

Document Number	2697658
Date	Aug 28, 2020
Instrument	2697658

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN MT
Recording Date	Jan 2, 2020
Property Address	405 13TH ST, BELGRADE, MT 59714-3149
Document Number	2669089
Instrument Date	Dec 27, 2019
Instrument	2669089
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	STEWART TITLE/CALDWELL, STC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10B PINEBROOK RD, PARK CITY, UT 84098-5384
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 405 13th St was $3,865.

Source: Gallatin County assessment roll, as of September 22, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,865.00	$693,100	$693,100 Land $192,522 Building $500,578
2023	$5,461.00	$648,800	$648,800 Land $134,074 Building $514,726

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

Flood

FEMA maps place 405 13th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 30, 2024 · 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
Community Rating System	Class 10 (0% 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.

Wildfire

Wildfire risk around 405 13th St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 99.3% of Montana
Wildfire Likelihood	0.01% 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	CITY OF BELGRADE serves 10,460 people · EPA ID MT0000136
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023–2025) 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 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Montana Opticom Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
SkyNet Communications Fixed Wireless	1,000 / 1,000

May also be available: CenturyLink, Verizon.

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