416 Cottonwood Ave, Laurel, MT 59044 Property Records

Yellowstone County property record for 416 Cottonwood Ave, Laurel, MT 59044

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,693 sqft · built 1957
Lot Size0.321 acres (14,000 sqft)
Owner2 Individual Names on File
Last Sale$144,300 (Sep 2021)
Tax Bill$2,715 (2025)
Deeds & MortgagesApr 2024 Mortgage
Sep 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN000B008920

Property Details

APN / Parcel Number

Primary APN000B008920
Alternative APNs
  • 03-0821-10-3-12-07-0000
  • R0336272
  • B008920
  • B00892

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures9 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area1,693 sqft Living Area
1st Floor Area1,092 sqft
AtticAttic
Attic Area601 sqft

Exterior

Year BuiltBuilt 1957
Effective Year BuiltEffective 2005
Architectural StyleConventional
Exterior MaterialCombination
Construction TypeFrame
Roof TypeGable
Roof MaterialMetal
Lot Area14,000 sqft (0.321 acres)
View / LotNeighborhood / Spot
Garage TypeDetached
Garage Area384 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchStoop
Porch Area38 sqft
Deck AreaDeck Area
Shed1 Shed
Shed Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address416 COTTONWOOD AVE
CityLAUREL
StateMT
Zip59044-2817
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code1
Legal DescriptionNUTTING SUBD, S10, T02 S, R24 E, BLOCK 18, LOT 3 - 6
Legal Range24E
Legal Township02S
Legal Section10
Legal SubdivisionNUTTING SUBD
Legal Block18
Legal Lot Number3-6
JurisdictionYELLOWSTONE MT
Township / Civil DivisionLAUREL
Census Block Group3
Census Block3052
Census Tract1902

Owner

416 Cottonwood Ave is owned and occupied by two individuals who bought it in September 2021.

Source: Yellowstone County records, as of September 9, 2026

Owner of Record2 Individual Names on File
Mailing Address416 COTTONWOOD AVE, LAUREL, MT 59044-2817
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

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

DateDocument
Apr 3, 2024Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
Sep 30, 2021Warranty Deed, Transfer · FHA Mortgage
UNIVERSAL LENDING CORP
Mar 2, 2020Warranty Deed, Transfer · Conventional Mortgage
WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 30, 2021 · Amount on File
Deed SaleSep 30, 2021 · Amount on File
Prior SaleMar 2, 2020 · Amount on File
Deed Document Number20213992066
Record UpdatedOct 29, 2026

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionYELLOWSTONE MT
Property Address416 COTTONWOOD AVE, LAUREL, MT 59044-2817
Transaction TypeMortgage
Record UpdatedApr 19, 2024
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address416 COTTONWOOD AVE, LAUREL, MT 59044-2817

Mortgage

Document Number0004071015
DateApr 3, 2024
Instrument4071015
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term480 Months
DueApr 1, 2064

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionYELLOWSTONE MT
Recording DateSep 30, 2021
Property Address416 COTTONWOOD AVE, LAUREL, MT 59044-2817
Document Number0003992066
Map ReferenceDOC 11182
Instrument DateSep 28, 2021
Instrument3992066
Transaction TypeTransfer
Record UpdatedOct 20, 2021
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 335, JOLIET, MT 59041-0335

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address416 COTTONWOOD AVE, LAUREL, MT 59044-2817

Mortgage

Document Number0003992067
DateSep 30, 2021
Instrument3992067
Lender
NameUNIVERSAL LENDING CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2051

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionYELLOWSTONE MT
Recording DateMar 2, 2020
Property Address416 COTTONWOOD AVE, LAUREL, MT 59044-2817
Document Number0003913035
Map ReferenceDOC 11182
Instrument DateFeb 20, 2020
Instrument3913035
Transaction TypeTransfer
Record UpdatedAug 17, 2021
Title CompanyFIRST AMERICAN TITLE COMPANY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address416 COTTONWOOD AVE, LAUREL, MT 59044-2817

Mortgage

Document Number0003913036
DateMar 2, 2020
Instrument3913036
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term241 Months
DueApr 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 416 Cottonwood Ave was $2,715, down 15.8% from the year before.

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

Property Jurisdictions

TypeName
StateMontana
CountyYellowstone County
MunicipalityLaurel City
Elementary School DistrictLaurel Elementary School District (PK - 08)
Secondary School DistrictLaurel High School District (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$307,700 (-) Land $70,957 Building $236,743$307,700 (-) Land $70,957 Building $236,743
2025$2,715.00 (-15.76%)$307,700 Land $70,957 Building $236,743$307,700 Land $70,957 Building $236,743
2024$3,223.00 (+50.4%)
2023$2,143.00$269,100$269,100 Land $46,418 Building $222,682

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

Flood

FEMA maps place 416 Cottonwood Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 23, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 12 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies12 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 416 Cottonwood Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 98% of the US · lower than 99.5% of Montana
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemLAUREL MUNICIPAL WATER SYSTEM
serves 6,339 people · EPA ID MT0000270
Water SourceSurface water
Last State InspectionSep 2025
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTurbidity
resolved · Jun 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable
1,000 / 1,000

May also be available: AT&T, TCT Internet, Verizon.

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