524 Elm Ave, Laurel, MT 59044 Property Records

Yellowstone County property record for 524 Elm Ave, Laurel, MT 59044

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,088 sqft · built 1947
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$291,859 (May 2026)
Tax Bill	$1,820 (2025)
Deeds & Mortgages	Sep 2024 Line of Credit Apr 2025 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000B008390`

Property Details

APN / Parcel Number

Primary APN	`000B008390`
Alternative APNs	`03-0821-10-3-18-06-0000` `R0336219` `B008390` `B00839`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,088 sqft Living Area
1st Floor Area	1,088 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1985
Architectural Style	Ranch
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	774 sqft
Parking Spaces	3 Parking Spaces
Porch	Stoop
Porch Area	12 sqft
Deck Area	Deck Area

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	524 ELM AVE
City	LAUREL
State	MT
Zip	59044-2827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NUTTING SUBD, S10, T02 S, R24 E, BLOCK 12, LOT 1 - 2
Legal Range	24E
Legal Township	02S
Legal Section	10
Legal Subdivision	NUTTING SUBD
Legal Block	12
Legal Lot Number	1-2
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	LAUREL
Census Block Group	3
Census Block	3049
Census Tract	1902

Owner

Source: Yellowstone County assessment roll, as of September 15, 2025

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	524 ELM AVE, LAUREL, MT 59044-2827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2024	Deed of Trust, Mortgage · Line of Credit WESTERN SECURITY BANK
Apr 24, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
May 20, 2026	Warranty Deed, Transfer · FHA Mortgage EVERGREEN MONEYSOURCE MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 20, 2026 · Amount on Record
Deed Sale	May 20, 2026 · Amount on Record
Prior Sale	Mar 7, 2008 · Amount on Record
Deed Document Number	20264134222
Prior Transfer Date	Mar 23, 2022
Prior Transfer Doc	0004011718
Record Updated	Sep 20, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	524 ELM AVE, LAUREL, MT 59044-2827
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 ELM AVE, LAUREL, MT 59044-2827

Mortgage

Document Number	0004084420
Date	Sep 4, 2024
Instrument	4084420

Lender

Name	WESTERN SECURITY BANK
Type	Bank
Address	LAUREL, MT 59044

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	524 ELM AVE, LAUREL, MT 59044-2827
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004100868
Date	Apr 24, 2025
Instrument	4100868

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2045

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	May 20, 2026
Property Address	524 ELM AVE, LAUREL, MT 59044-2827
Document Number	0004134222
Instrument Date	May 20, 2026
Instrument	2026.4134222
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	FIRST MONTANA LAND TITLE COMPANY, FIRST MONTANA TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 ELM AVE, LAUREL, MT 59044-2827

Mortgage

Document Number	0004134223,
Date	May 20, 2026
Instrument	2026.4134223

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

Mortgage

Document Number	0004134224,
Date	May 20, 2026
Instrument	2026.4134224

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	15 Months
Due	Jun 1, 2041

Interest

Rate	6.37%
Max Rate	-1%

Tax Assessment & Valuation

Source: Yellowstone County assessment roll, as of September 15, 2025

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
2025	$1,820.00 (-11.91%)	$268,000 (+29.41%) Land $56,449 Building $211,551	$268,000 (+29.41%) Land $56,449 Building $211,551
2024	$2,066.00 (+25.29%)
2023	$1,649.00	$207,100	$207,100 Land $36,672 Building $170,428

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

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, BHT Holdings, Verizon.

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