405 E River Rock Rd, Belgrade, MT 59714 Property Records

Gallatin County property record for 405 E River Rock Rd, Belgrade, MT 59714 · Last verified April 2026

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 1,128 sqft · built 2002
Lot Size	0.197 acres (8,581 sqft)
Owner	Individual Name on File
Last Sale	$248,200 (Jul 2014)
Tax Bill	$2,045 (2025)
Deeds & Mortgages	Jan 2026 Transfer Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00RFF45714`

Property Details

APN / Parcel Number

Primary APN	`00RFF45714`
Alternative APNs	`06-0903-03-4-25-19-0000` `R0636273`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,128 sqft Living Area
1st Floor Area	1,128 sqft
Basement Area	286 sqft
Finished Basement	286 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,581 sqft (0.197 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	115 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00RFF45714
Street Address	405 E RIVER ROCK RD
City	BELGRADE
State	MT
Zip	59714-9221
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	RIVER ROCK SUB PH 6B, S03, T01 S, R04 E, BLOCK 28, LOT 15, PLAT J-323
Legal Range	04E
Legal Township	01S
Legal Section	03
Legal Subdivision	RIVER ROCK SUB PH 6B
Legal Block	28
Legal Lot Number	15
Jurisdiction	GALLATIN MT
Township / Civil Division	BELGRADE
Census Block Group	3
Census Block	3014
Census Tract	201

Owner

Source: Gallatin County records · APN 00RFF45714

Assessment roll updated September 23, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	405 E RIVER ROCK RD, BELGRADE, MT 59714-9221
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Intrafamily Transfer, Transfer
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage OPPORTUNITY BANK OF MT

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 30, 2014 · Amount on Record
Deed Sale	Jul 30, 2014 · Amount on Record
Prior Sale	Sep 17, 2010 · Amount on Record
Deed Document Number	20142487396
Prior Transfer Date	Oct 15, 2005
Prior Transfer Doc	2218825
Record Updated	Jun 08, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GALLATIN MT
Recording Date	Jan 20, 2026
Property Address	405 E RIVER ROCK RD, BELGRADE, MT 59714-9221
Document Number	0002868569
Map Reference	PL J-323
Instrument Date	Jan 01, 2026
Instrument	2868569
Transaction Type	Transfer
Record Updated	Feb 02, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	311 7TH ST, BELGRADE, MT 59714-3013

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	405 E RIVER ROCK RD, BELGRADE, MT 59714-9221
Transaction Type	Mortgage
Record Updated	Mar 08, 2021
Title Company	MONTANA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2721668
Date	Feb 23, 2021
Instrument	2721668

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank
Address	HELENA, MT 59604

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

Tax Assessment & Valuation

Source: Gallatin County records · Assessment roll updated September 23, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,045.00 (-36.19%)	$549,900 (+11.68%)	$549,900 (+11.68%) Land $143,563 Building $406,337
2023	$3,205.00	$492,400	$492,400 Land $116,489 Building $375,911

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Gallatin County (30031C), updated July 30, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 6% of the US · above 1% of Montana
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 50 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Montana Opticom	Fiber	1,000 / 1,000
Spectrum	Cable	1,000 / 1,000
SkyNet Communications	Fixed Wireless (unlicensed)	1,000 / 1,000
BHT Investment Holdings	Fixed Wireless	200 / 100

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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