655 Low Bench Rd, Gallatin Gateway, MT 59730 Property Records

Gallatin County property record for 655 Low Bench Rd, Gallatin Gateway, MT 59730

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 2,381 sqft · built 2001
Lot Size	2.47 acres (107,942 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,859 (2023)
Deeds & Mortgages	May 2026 Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00RHF22327`

Property Details

APN / Parcel Number

Primary APN	`00RHF22327`
Alternative APNs	`06-0697-23-3-04-03-0000` `R0658020`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,381 sqft Living Area
Gross Area	3,317 sqft
1st Floor Area	1,397 sqft
2nd Floor Area	984 sqft
Basement Area	936 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Prefabricated

Exterior

Year Built	Built 2001
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	107,942 sqft (2.47 acres)
Garage Area	1,184 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	884 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00RHF22327
Street Address	655 LOW BENCH RD
City	GALLATIN GATEWAY
State	MT
Zip	59730-9742
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	BEAR CREEK PROP 2 & 3, S23, T03 S, R04 E, LOT 58, ACRES 2.478
Legal Range	04E
Legal Township	03S
Legal Section	23
Legal Quarter	SW
Legal Subdivision	BEAR CREEK PROP 2 & 3
Legal Lot Number	58
Jurisdiction	GALLATIN MT
Township / Civil Division	GALLATIN GATEWAY
Census Block Group	4
Census Block	4080
Census Tract	1200

Owner

Source: Gallatin County records · APN 00RHF22327

Assessment roll updated December 31, 2022 · Last verified February 2024

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 File
Mailing Address	655 LOW BENCH RD, GALLATIN GATEWAY, MT 59730-9742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage KIND LENDING LLC
Dec 07, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST SECURITY BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 20, 2003
Deed Sale	Feb 20, 2003
Deed Document Number	002098198R
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Recording Date	May 26, 2026
Property Address	655 LOW BENCH RD, GALLATIN GATEWAY, MT 59730-9742
Document Number	0002877732
Instrument Date	May 20, 2026
Instrument	20262877732
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MONTANA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	655 LOW BENCH RD, GALLATIN GATEWAY, MT 59730-9742

Mortgage

Document Number	0002877732,
Date	May 26, 2026
Instrument	20262877732

Lender

Name	KIND LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	655 LOW BENCH RD, GALLATIN GATEWAY, MT 59730-9742
Transaction Type	Mortgage
Record Updated	Dec 14, 2018
Title Company	MONTANA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2633392
Date	Dec 07, 2018
Instrument	2633392

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BOZEMAN, MT 59718

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Gallatin County records · Assessment roll updated December 31, 2022 · Last verified February 2024

Property Jurisdictions

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

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
2023	$5,859.00	$1,076,400	$1,076,400 Land $395,053 Building $681,347

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 30, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1997)
Most Recent Claim	Jun 1997 · rainfall accumulation

Wildfire

Wildfire Risk	Moderate above 56% of the US · lower than 67% of Montana
Wildfire Likelihood	0.1% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
BHT Investment Holdings Fixed Wireless	50 / 10
Lumen Technologies DSL	10 / 1

May also be available: T-Mobile USA.

Based on FCC filings for 5 locations within half a mile of this property.

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