520 Cottonwood Ave, Laurel, MT 59044 Property Records

Yellowstone County property record for 520 Cottonwood Ave, Laurel, MT 59044

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,240 sqft · built 1932
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$68,800 (Jan 2019)
Tax Bill	$2,390 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jan 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000B008160`

Property Details

APN / Parcel Number

Primary APN	`000B008160`
Alternative APNs	`03-0821-10-3-16-06-0000` `R0336196` `B008160` `B00816`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,240 sqft Living Area
1st Floor Area	1,240 sqft
Family Room	Family Room

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1985
Architectural Style	Bungalow
Exterior Material	Asbestos
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	40 sqft
Deck Area	172 sqft

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	520 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 1 - 2
Legal Range	24E
Legal Township	02S
Legal Section	10
Legal Subdivision	NUTTING SUBD
Legal Block	10
Legal Lot Number	1-2
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	LAUREL
Census Block Group	3
Census Block	3051
Census Tract	1902

Owner

520 Cottonwood Ave is owned by an individual who bought it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	5052 US HIGHWAY 310, LAUREL, MT 59044
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
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage OPPORTUNITY BANK OF MT
Jan 18, 2019	Grant Deed, Transfer · Line of Credit OPPORTUNITY BK/MT
Mar 6, 2018	Trustee's Deed, Foreclosure TITLE FINANCIAL SPECIALTY SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2019 · Amount on File
Deed Sale	Jan 18, 2019 · Amount on File
Prior Sale	Mar 6, 2018
Deed Document Number	20193873768
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	520 COTTONWOOD AVE, LAUREL, MT 59044-2819
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003935238
Date	Aug 24, 2020
Instrument	3935238

Lender

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

Agreement

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

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Jan 18, 2019
Property Address	520 COTTONWOOD AVE, LAUREL, MT 59044-2819
Document Number	0003873768
Instrument Date	Jan 4, 2019
Instrument	3873768
Transaction Type	Transfer
Record Updated	Jan 29, 2019
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	5051 US HIGHWAY 310 LAUREL MT 590449219, LAUREL, MT 59044-9219

Mortgage

Document Number	3873769
Date	Jan 18, 2019
Instrument	3873769

Lender

Name	OPPORTUNITY BK/MT
Address	BILLINGS, MT 59102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 17, 2039

Interest

Rate Type	Adjustable Rate

March 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Mar 6, 2018
Property Address	520 COTTONWOOD AVE, LAUREL, MT 59044-2819
Document Number	0003842947
Instrument Date	Feb 26, 2018
Instrument	3842947
Transaction Type	Foreclosure
Record Updated	Mar 20, 2018
Title Company	TITLE FINANCIAL SPECIALTY SERVICES

Transaction

Amount	Amount on Record
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	14523 SW MILLIKAN WAY #200 BEAVERTON OR 970052352, 200, BEAVERTON, OR 97005-2352
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 520 Cottonwood Ave was $2,390, down 4.5% from the year before.

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		$270,400 (-) Land $56,449 Building $213,951	$270,400 (-) Land $56,449 Building $213,951
2025	$2,390.00 (-4.48%)	$270,400 Land $56,449 Building $213,951	$270,400 Land $56,449 Building $213,951
2024	$2,502.00 (+49.91%)
2023	$1,669.00	$209,600	$209,600 Land $36,672 Building $172,928

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

Flood

FEMA maps place 520 Cottonwood Ave in Zone X, an area of minimal flood risk.

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 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

The area around 520 Cottonwood Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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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