645 Ave C, Billings, MT 59102 Property Records

Yellowstone County property record for 645 Ave C, Billings, MT 59102

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,752 sqft · built 1953
Lot Size	0.298 acres (12,967 sqft)
Owner	2 Individual Names on Record
Last Sale	$636,460 (Sep 2025)
Tax Bill	$90,460 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000A110290`

Property Details

APN / Parcel Number

Primary APN	`000A110290`
Alternative APNs	`03-1033-31-4-11-01-0000` `R0311406` `A110290` `A11029`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,752 sqft Living Area
Gross Area	2,873 sqft
1st Floor Area	2,050 sqft
Basement Area	780 sqft
Finished Basement	702 sqft
Unfinished Basement	78 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1980
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,967 sqft (0.298 acres)
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	95 sqft
Shed	1 Shed
Shed Area	120 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	645 AVENUE C
City	BILLINGS
State	MT
Zip	59102-3529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Description	MELNICK SUBD, S31, T01 N, R26 E, BLOCK 2, LOT 21 - 24
Legal Range	26E
Legal Township	01N
Legal Section	31
Legal Subdivision	MELNICK SUBD
Legal Block	2
Legal Lot Number	21-24
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	BILLINGS
Census Block Group	4
Census Block	4001
Census Tract	500

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	645 AVENUE C, BILLINGS, MT 59102-3529
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · Line of Credit VALLEY CREDIT UNION
Nov 5, 2025	Deed of Trust, Mortgage · Commercial Mortgage VALLEY FINANCIAL CU
Sep 19, 2025	Intrafamily Transfer, Transfer VALLEY FINANCIAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2025 · Amount on Record
Deed Sale	Sep 19, 2025 · Amount on Record
Prior Sale	Oct 12, 2007 · Amount on Record
Deed Document Number	20254114959
Prior Transfer Date	May 6, 2011
Prior Transfer Doc	0003586755
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Recording Date	Jul 6, 2026
Property Address	645 AVENUE C, BILLINGS, MT 59102-3529
Document Number	0004138166
Instrument Date	Jun 29, 2026
Instrument	20264138166
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	STEWART TITLE COMPANY (BA), STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 AVENUE C, BILLINGS, MT 59102-3529

Mortgage

Document Number	0004138166,
Date	Jul 6, 2026
Instrument	20264138166

Lender

Name	VALLEY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	645 AVENUE C, BILLINGS, MT 59102-3529
Transaction Type	Mortgage
Record Updated	Nov 26, 2025
Title Company	FIRST MONTANA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 PARKHILL DR, BILLINGS, MT 59102-3413

Mortgage

Document Number	0004118950
Date	Nov 5, 2025
Instrument	4118950

Lender

Name	VALLEY FINANCIAL CU
Type	Credit Union
Address	BILLINGS, MT 59104

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YELLOWSTONE MT
Recording Date	Sep 19, 2025
Property Address	645 AVENUE C, BILLINGS, MT 59102-3529
Document Number	0004114959
Map Reference	DOC 403507
Instrument Date	Sep 19, 2025
Instrument	4114959
Transaction Type	Transfer
Record Updated	Oct 8, 2025
Title Company	FIRST MONTANA LAND TITLE COMPANY, FIRST MONTANA TITLE CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	645 AVENUE E, BILLINGS, MT 59102

Mortgage

Document Number	0004114960
Date	Sep 19, 2025
Instrument	4114960

Lender

Name	VALLEY FINANCIAL CU
Type	Credit Union

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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		$425,200 (+0.9%) Land $55,329 Building $369,871	$425,200 (+0.9%) Land $55,329 Building $369,871
2025	$90,460.00 (+5,546.69%)	$421,400 (+5.27%) Land $55,329 Building $366,071	$421,400 (+5.27%) Land $55,329 Building $366,071
2024	$1,602.00 (-40.36%) Homeowner's exemption
2023	$2,686.00	$400,300	$400,300 Land $49,804 Building $350,496

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
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

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	CITY OF BILLINGS serves 114,000 people · EPA ID MT0000153
Water Source	Surface water
Last State Inspection	May 2025
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 483 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Spectrum Cable	1,000 / 1,000
Wisp West Fixed Wireless	200 / 100

May also be available: AT&T, TDS Telecom, Verizon.

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