5440 River Rd, Laurel, MT 59044 Property Records

Yellowstone County property record for 5440 River Rd, Laurel, MT 59044 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,802 sqft · built 1979
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Tax Bill	$2,838 (2025)
Deeds & Mortgages	Jul 2023 Mortgage May 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`000D030940`

Property Details

APN / Parcel Number

Primary APN	`000D030940`
Alternative APNs	`03-0822-09-2-01-20-0000` `R0358761` `D030940` `D03094`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,802 sqft Living Area
Gross Area	3,976 sqft
1st Floor Area	2,240 sqft
Basement Area	1,736 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling
View / Lot	Rural
Garage Area	504 sqft
Parking Spaces	7 Parking Spaces
Porch	Slab
Porch Area	450 sqft
Deck Area	103 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Coal
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5440 RIVER RD
City	LAUREL
State	MT
Zip	59044-8885
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S09, T02 S, R25 E, C.O.S. 1906, PARCEL B
Legal Range	25E
Legal Township	02S
Legal Section	09
Legal Subdivision	CERTIFICATE/SURV 1906 B
Legal Tract	B
Legal Block	2
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	SOUTH YELLOWSTONE
Census Block Group	2
Census Block	2095
Census Tract	940001

Owner

Source: Yellowstone County records · APN 000D030940

Assessment roll updated September 15, 2025 · Last verified July 2026

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	5440 RIVER RD, LAUREL, MT 59044-8885
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
May 14, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance YELLOWSTONE BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	5440 RIVER RD, LAUREL, MT 59044-8885
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	FIRST MONTANA LAND TITLE COMPANY, FIRST MONTANA TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5440 RIVER RD, LAUREL, MT 59044-8885

Mortgage

Document Number	0004052728
Date	Jul 28, 2023
Instrument	4052728

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Aug 01, 2028
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Margin	3
Max Rate	10.8%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	5440 RIVER RD, LAUREL, MT 59044-8885
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003882842
Date	May 14, 2019
Instrument	3882842

Lender

Name	YELLOWSTONE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Yellowstone County records · Assessment roll updated September 15, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,838.00 (-13.26%)	$602,851 (+23.98%) Land $67,461 Building $535,390	$602,851 (+23.98%) Land $67,461 Building $535,390
2024	$3,272.00 (+6.27%)
2023	$3,079.00	$486,265	$486,265 Land $62,355 Building $423,910

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Yellowstone County (30111C), updated March 23, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 301119400012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 24 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	10 (2011–2022)
Most Recent Claim	Jun 2022, river or lake flooding, Severe Storm And Flooding
Claims By Storm	Severe Storm And Flooding, Jun 2022 · 8 claims

Wildfire

Wildfire Risk	Moderate above 69% of the US · above 48% of Montana
Wildfire Likelihood	About 1 in 439 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 4 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Verizon	Fixed Wireless	300 / 20
BHT Investment Holdings	Fixed Wireless (unlicensed)	100 / 20
AT&T	Fixed Wireless	25 / 3
T-Mobile USA	Fixed Wireless	25 / 3
Lumen Technologies	DSL	10 / 1
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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