545 Howard Ave, Billings, MT 59101 Property Records

Yellowstone County property record for 545 Howard Ave, Billings, MT 59101

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 1,549 sqft · built 1936
Lot Size	0.243 acres (10,600 sqft)
Owner	Individual Name on File
Last Sale	$259,179 (Sep 2026)
Tax Bill	$2,007 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`000A191250`

Property Details

APN / Parcel Number

Primary APN	`000A191250`
Alternative APNs	`03-0927-04-3-15-01-0000` `R0319950` `A191250` `A19125`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,549 sqft Living Area
Gross Area	1,616 sqft
1st Floor Area	946 sqft
Basement Area	670 sqft
Finished Basement	603 sqft
Unfinished Basement	67 sqft
Family Room	Family Room

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1995
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,600 sqft (0.243 acres)
View / Lot	Neighborhood / Spot
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	231 sqft
Shed	1 Shed

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	545 HOWARD AVE
City	BILLINGS
State	MT
Zip	59101-3044
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Description	YELLOWSTONE ADD, S04, T01 S, R26 E, BLOCK 15, LOT 21 - 23
Legal Range	26E
Legal Township	01S
Legal Section	04
Legal Subdivision	YELLOWSTONE ADD
Legal Block	15
Legal Lot Number	21-23
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	BILLINGS
Census Block Group	1
Census Block	1019
Census Tract	1000

Owner

545 Howard Ave is owned and occupied by an individual who bought it in September 2026.

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

Owner of Record	Individual Name on File
Mailing Address	545 HOWARD AVE, BILLINGS, MT 59101-3044
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
Sep 1, 2026	Warranty Deed, Transfer · FHA Mortgage EVERGREEN MONEYSOURCE MORTGAGE COMPANY
Jan 19, 2024	Intrafamily Transfer, Transfer
Nov 30, 2022	Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage YELLOWSTONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2026 · Amount on File
Deed Sale	Sep 1, 2026 · Amount on File
Prior Sale	Nov 30, 2022 · Amount on File
Deed Document Number	20264145281
Prior Transfer Date	Oct 25, 2022
Prior Transfer Doc	0004035792
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Sep 1, 2026
Property Address	545 HOWARD AVE, BILLINGS, MT 59101-3044
Document Number	0004145281
Instrument Date	Aug 31, 2026
Instrument	20264145281
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 HOWARD AVE, BILLINGS, MT 59101-3044

Mortgage

Document Number	0004145282,
Date	Sep 1, 2026
Instrument	20264145282

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0004145293,
Date	Sep 1, 2026
Instrument	20264145293

Lender

Name	CITY OF KING

Agreement

Amount	Amount on Record

Interest

Max Rate	-1%

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YELLOWSTONE MT
Recording Date	Jan 19, 2024
Property Address	545 HOWARD AVE, BILLINGS, MT 59101-3044
Document Number	0004066442
Instrument Date	Jan 19, 2024
Instrument	4066442
Transaction Type	Transfer
Record Updated	Jan 30, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	545 HOWARD AVE, BILLINGS, MT 59101-3044

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	545 HOWARD AVE, BILLINGS, MT 59101-3044

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YELLOWSTONE MT
Recording Date	Nov 30, 2022
Property Address	545 HOWARD AVE, BILLINGS, MT 59101-3044
Document Number	0004035792
Map Reference	DOC 4067
Instrument Date	Oct 25, 2022
Instrument	4035792
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 HOWARD AVE, BILLINGS, MT 59101-3044

Mortgage

Document Number	0004035793
Date	Nov 30, 2022
Instrument	4035793

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	545 HOWARD AVE, BILLINGS, MT 59101-3044
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	AMERICAN TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003837289
Date	Dec 27, 2017
Instrument	3837289

Lender

Name	YELLOWSTONE BANK
Type	Bank
Address	BILLINGS, MT 59102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 545 Howard Ave was $2,007, down 25.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$273,800 (-) Land $42,008 Building $231,792	$273,800 (-) Land $42,008 Building $231,792
2025	$2,007.00 (-25.47%)	$273,800 Land $42,008 Building $231,792	$273,800 Land $42,008 Building $231,792
2024	$2,693.00 (+18.01%)
2023	$2,282.00	$255,700	$255,700 Land $41,035 Building $214,665

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

Flood

FEMA maps place 545 Howard Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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
Nearby Flood Claims	3 (1978)
Most Recent Claim	May 1978 · rainfall accumulation

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 545 Howard 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	BILLINGS HEIGHTS CO WATER DIST OF serves 12,000 people · EPA ID MT0000155
Water Source	Purchased surface water from CITY OF BILLINGS
Last State Inspection	Jun 2024
Lead	3 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 405 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Ziply Fiber Fiber	6,000 / 6,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Wisp West Fixed Wireless	200 / 100

May also be available: AT&T.

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