647 Prospector Trl, Bozeman, MT 59718 Property Records

Gallatin County property record for 647 Prospector Trl, Bozeman, MT 59718

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,187 sqft · built 2002
Lot Size	0.506 acres (22,041 sqft)
Owner	2 Individual Names on File
Last Sale	$310,400 (Jul 2016)
Tax Bill	$2,917 (2026)
Deeds & Mortgages	Feb 2022 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00RFG44191`

Property Details

APN / Parcel Number

Primary APN	`00RFG44191`
Alternative APNs	`06-0904-20-3-11-05-0000` `R0640193`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,187 sqft Living Area
1st Floor Area	999 sqft
2nd Floor Area	1,188 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,041 sqft (0.506 acres)
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	140 sqft
Deck Area	164 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00RFG44191
Street Address	647 PROSPECTOR TRL
City	BOZEMAN
State	MT
Zip	59718-7904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY GROVE SUB PH 4, S20, T01 S, R05 E, LOT 240, ACRES 0.506
Legal Range	05E
Legal Township	01S
Legal Section	20
Legal Subdivision	VALLEY GROVE SUB PH 4
Legal Lot Number	240
Jurisdiction	GALLATIN MT
Township / Civil Division	BELGRADE
Census Block Group	1
Census Block	1091
Census Tract	202

Owner

647 Prospector Trl is owned and occupied by two individuals who bought it in July 2016.

Source: Gallatin County records, as of September 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	647 PROSPECTOR TRL, BOZEMAN, MT 59718-7904
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
Feb 15, 2022	Deed of Trust, Mortgage · Line of Credit FIRST INTERSTATE BANK
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERSTATE BANK
May 1, 2019	Deed of Trust, Mortgage · Commercial Mortgage GLACIER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2016 · Amount on File
Deed Sale	Jul 11, 2016 · Amount on File
Prior Sale	Jul 31, 2015
Deed Document Number	20162550559
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	647 PROSPECTOR TRL, BOZEMAN, MT 59718-7904
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 PROSPECTOR TRL, BOZEMAN, MT 59718-7904

Mortgage

Document Number	0002767444
Date	Feb 15, 2022
Instrument	2767444

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	BOZEMAN, MT 59771

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	647 PROSPECTOR TRL, BOZEMAN, MT 59718-7904
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MONTANA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2700059
Date	Sep 15, 2020
Instrument	2700059

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	BOZEMAN, MT 59718

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	647 PROSPECTOR TRL, BOZEMAN, MT 59718-7904
Transaction Type	Mortgage
Record Updated	May 21, 2019
Title Company	MONTANA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2643596
Date	May 1, 2019
Instrument	2643596

Lender

Name	GLACIER BANK
Type	Bank
Address	BOZEMAN, MT 59771

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	299 Months
Due	Apr 16, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 647 Prospector Trl was $2,917.

Source: Gallatin County assessment roll, as of September 22, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,917.00	$764,500	$764,500 Land $321,139 Building $443,361
2023	$4,388.00	$727,600	$727,600 Land $172,177 Building $555,423

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

Flood

FEMA maps place 647 Prospector Trl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 30, 2024 · 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
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 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

Wildfire risk around 647 Prospector Trl 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 99.1% of the US · lower than 99.8% 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	VALLEY GROVE SUBDIVISION private · serves 825 people · EPA ID MT0003780
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023–2025) 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 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Montana Opticom Fiber	1,000 / 1,000
SkyNet Communications Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Wisp West Fixed Wireless	200 / 100

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Prospector Trl

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