504 Cottonwood Ave, Laurel, MT 59044 Property Records

Yellowstone County property record for 504 Cottonwood Ave, Laurel, MT 59044

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,056 sqft · built 1945
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Jun 2013)
Tax Bill	$2,397 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000B008200`

Property Details

APN / Parcel Number

Primary APN	`000B008200`
Alternative APNs	`03-0821-10-3-16-01-0000` `R0336200` `B008200` `B00820`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,056 sqft Living Area
Gross Area	2,352 sqft
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft
Finished Basement	880 sqft
Unfinished Basement	296 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 2009
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	10,500 sqft (0.241 acres)
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Stoop
Porch Area	24 sqft
Deck Area	192 sqft
Shed	1 Shed
Shed Area	144 sqft
Pole Barn	Pole Barn

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	504 COTTONWOOD AVE
City	LAUREL
State	MT
Zip	59044-2819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	NUTTING SUBD, S10, T02 S, R24 E, BLOCK 10, LOT 10 - 12
Legal Range	24E
Legal Township	02S
Legal Section	10
Legal Subdivision	NUTTING SUBD
Legal Block	10
Legal Lot Number	10-12
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	LAUREL
Census Block Group	3
Census Block	3051
Census Tract	1902

Owner

504 Cottonwood Ave is owned and occupied by two individuals who bought it in June 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	504 COTTONWOOD AVE, LAUREL, MT 59044-2819
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 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK & TRUST
Aug 15, 2018	Deed of Trust, Mortgage WESTERN SECURITY BANK
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2013 · Amount on File
Deed Sale	Jun 12, 2013 · Amount on File
Prior Sale	Jul 27, 2009 · Amount on File
Deed Document Number	20133671204
Prior Transfer Date	Nov 14, 2012
Prior Transfer Doc	0003645962
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	504 COTTONWOOD AVE, LAUREL, MT 59044-2819
Transaction Type	Mortgage
Record Updated	Aug 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003981886
Date	Jul 28, 2021
Instrument	3981886

Lender

Name	FIRST FEDERAL BANK & TRUST
Type	Bank
Address	SHERIDAN, WY 82801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	9.37%
Index	1-Year CMT
Max Rate	9.37%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	504 COTTONWOOD AVE, LAUREL, MT 59044-2819
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003858490
Date	Aug 15, 2018
Instrument	000003858490

Lender

Name	WESTERN SECURITY BANK
Type	Bank

Agreement

Amount	Amount on Record

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	504 COTTONWOOD AVE, LAUREL, MT 59044-2819
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003945297
Date	Oct 28, 2020
Instrument	3945297

Lender

Name	FIRST FEDERAL BANK & TRUST
Type	Bank
Address	SHERIDAN, WY 82801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 504 Cottonwood Ave was $2,397.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$343,600 Land $64,531 Building $279,069	$343,600 Land $64,531 Building $279,069
2025	$2,397.00
2023	$2,212.00	$277,900	$277,900 Land $42,092 Building $235,808

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

Flood

FEMA maps place 504 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 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 504 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 Risk	Low lower than 98% of the US · lower than 99.5% of Montana
Wildfire Likelihood	Under 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	LAUREL MUNICIPAL WATER SYSTEM serves 6,339 people · EPA ID MT0000270
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jun 2022
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. 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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

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

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