523 Elm Ave, Laurel, MT 59044 Property Records

Yellowstone County property record for 523 Elm Ave, Laurel, MT 59044

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,492 sqft · built 1911
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,782 (Nov 2025)
Tax Bill	$632 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000B008620`

Property Details

APN / Parcel Number

Primary APN	`000B008620`
Alternative APNs	`03-0821-10-3-19-08-0000` `R0336243` `B008620` `B00862`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,492 sqft Living Area
Gross Area	1,596 sqft
1st Floor Area	880 sqft
Upper Floors Area	612 sqft
Family Room	Family Room

Exterior

Year Built	Built 1911
Effective Year Built	Effective 2021
Architectural Style	Bungalow
Exterior Material	Wood
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	726 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	104 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	523 ELM AVE
City	LAUREL
State	MT
Zip	59044-2826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	NUTTING SUBD, S10, T02 S, R24 E, BLOCK 13, LOT 31 - 32
Legal Range	24E
Legal Township	02S
Legal Section	10
Legal Subdivision	NUTTING SUBD
Legal Block	13
Legal Lot Number	31-32
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	LAUREL
Census Block Group	3
Census Block	3005
Census Tract	1902

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	523 ELM AVE, LAUREL, MT 59044-2826
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Warranty Deed, Transfer · VA Mortgage NEW AMERICAN FUNDING
Sep 28, 2021	Warranty Deed, Transfer · FHA Mortgage CORNERSTONE HOME LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2025 · Amount on Record
Deed Sale	Nov 7, 2025 · Amount on Record
Prior Sale	Sep 28, 2021 · Amount on Record
Deed Document Number	20254119163
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Nov 7, 2025
Property Address	523 ELM AVE, LAUREL, MT 59044-2826
Document Number	0004119163
Map Reference	DOC 11182
Instrument Date	Nov 7, 2025
Instrument	4119163
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST MONTANA LAND TITLE COMPANY, FIRST MONTANA 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 with Right of Survivorship
Address	523 ELM AVE, LAUREL, MT 59044-2826

Mortgage

Document Number	0004119164
Date	Nov 7, 2025
Instrument	4119164

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Sep 28, 2021
Property Address	523 ELM AVE, LAUREL, MT 59044-2826
Document Number	0003991714
Map Reference	DOC 11182
Instrument Date	Sep 28, 2021
Instrument	3991714
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	FIRST MONTANA TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 ELM AVE, LAUREL, MT 59044-2826

Mortgage

Document Number	0003991715
Date	Sep 28, 2021
Instrument	3991715

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Mortgage

Document Number	0003991716
Date	Sep 28, 2021
Instrument	3991716

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company
Address	HOUSTON, TX 77027

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

Tax Assessment & Valuation

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		$290,200 (+1.4%) Land $56,449 Building $233,751	$290,200 (+1.4%) Land $56,449 Building $233,751
2025	$632.00 (-68.03%)	$286,200 (+15.26%)	$286,200 (+15.26%) Land $56,449 Building $229,751
2023	$1,977.00	$248,300	$248,300 Land $36,672 Building $211,628

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

Flood

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 Record 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

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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