721 Cave Rd, Billings, MT 59101 Property Records

Yellowstone County property record for 721 Cave Rd, Billings, MT 59101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,312 sqft · built 1982
Lot Size	2.36 acres (102,976 sqft)
Owner	Individual Name on Record
Last Sale	$396,900 (Dec 2025)
Tax Bill	$2,660 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone D (undetermined)
APN	`000C04332C`

Property Details

APN / Parcel Number

Primary APN	`000C04332C`
Alternative APNs	`03-1034-27-2-14-02-0000` `R0343624` `C04332C`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,312 sqft Living Area
1st Floor Area	1,738 sqft
2nd Floor Area	574 sqft
Attic	Attic
Attic Area	318 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1990
Architectural Style	Modern
Exterior Material	Combination
Construction Type	Frame
Roof Type	Hip
Roof Material	Built-Up Asphalt
Lot Area	102,976 sqft
Terrain	Rolling
View / Lot	Rural
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Stoop
Porch Area	32 sqft
Deck Area	393 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Street Address	721 CAVE RD
City	BILLINGS
State	MT
Zip	59101-7243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD HILLS SUBD (ACREAGE TRACTS), S27, T01 N, R27 E, BLOCK 3, LOT 2D1-2, AMND TR:2B1 & 2D1 2.364 AC
Legal Range	27E
Legal Township	01N
Legal Section	27
Legal Subdivision	EMERALD HILLS SUBD (ACREAGE TRACTS)
Legal Block	3
Legal Lot Number	2
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	SOUTH YELLOWSTONE
Census Block Group	1
Census Block	1015
Census Tract	940002

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	Individual Name on Record
Mailing Address	721 CAVE RD, BILLINGS, MT 59101-7243
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2022	Deed of Trust, Mortgage · Line of Credit BILLINGS FCU
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSAL LENDING CORP
Dec 19, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 16, 2022	Warranty Deed, Transfer · Conventional Mortgage OPPORTUNITY BANK OF MT
Feb 16, 2018	Deed of Trust, Mortgage · Line of Credit BILLINGS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2025 · Amount on Record
Deed Sale	Dec 19, 2025 · Amount on Record
Prior Sale	Dec 16, 2022
Deed Document Number	20254122342
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	721 CAVE RD, BILLINGS, MT 59101-7243
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004013657
Date	Apr 8, 2022
Instrument	4013657

Lender

Name	BILLINGS FCU
Type	Credit Union
Address	BILLINGS, MT 59103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 7, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	721 CAVE RD, BILLINGS, MT 59101-7243
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003968593
Date	Apr 19, 2021
Instrument	3968593

Lender

Name	UNIVERSAL LENDING CORP
Type	Mortgage Company
Address	DENVER, CO 80224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Dec 19, 2025
Property Address	721 CAVE RD, BILLINGS, MT 59101-7243
Document Number	0004122342
Map Reference	DOC 1438884
Instrument Date	Dec 5, 2025
Instrument	4122342
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	FLYING S T&E OF MT INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 CAVE RD, BILLINGS, MT 59101-7243

Mortgage

Document Number	0004122343
Date	Dec 19, 2025
Instrument	4122343

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Dec 16, 2022
Property Address	721 CAVE RD, BILLINGS, MT 59101-7243
Document Number	0004037100
Map Reference	DOC 1438884
Instrument Date	Dec 15, 2022
Instrument	4037100
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	FIRST MONTANA LAND TITLE COMPANY, FIRST MONTANA TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 CAVE RD, BILLINGS, MT 59101-7243

Mortgage

Document Number	0004037101
Date	Dec 16, 2022
Instrument	4037101

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	721 CAVE RD, BILLINGS, MT 59101-7243
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003841462
Date	Feb 16, 2018
Instrument	000003841462

Lender

Name	BILLINGS FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Montana
County	Yellowstone County
Unified School District	Lockwood K-12 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$390,700 (+5.71%) Land $79,669 Building $311,031	$390,700 (+5.71%) Land $79,669 Building $311,031
2025	$2,660.00 (-4.9%)
2023	$2,797.00	$369,600	$369,600 Land $73,138 Building $296,462

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

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 80% of the US · above 69% of Montana
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Wisp West Fixed Wireless	100 / 20

May also be available: Nemont, Verizon.

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