Yellowstone County property record for 809 Saddle Ln, Billings, MT 59101
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,030 sqft · built 1977 |
| Lot Size | 0.25 acres (10,879 sqft) |
| Owner | Individual Name on File |
| Last Sale | $187,500 (Jan 2021) |
| Tax Bill | $2,404 (2025) |
| Deeds & Mortgages | Dec 2022 Transfer Apr 2018 Mortgage + 1 more |
| Flood Zone | Zone D (undetermined) |
| APN | 000C047260 |
| Primary APN | 000C047260 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,030 sqft Living Area |
| Gross Area | 2,135 sqft |
| 1st Floor Area | 1,085 sqft |
| Basement Area | 1,050 sqft |
| Finished Basement | 945 sqft |
| Unfinished Basement | 105 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,879 sqft (0.25 acres) |
| View / Lot | Rural |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 412 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 809 SADDLE LN |
|---|---|
| City | BILLINGS |
| State | MT |
| Zip | 59101-6862 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-96 |
| Legal Description | JOHNSTON SUBD 2ND FILING, S19, T01 N, R27 E, BLOCK 3, LOT 4 |
| Legal Range | 27E |
| Legal Township | 01N |
| Legal Section | 19 |
| Legal Subdivision | JOHNSTON SUBD 2ND FILING |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | YELLOWSTONE MT |
| Township / Civil Division | BILLINGS |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 800 |
809 Saddle Ln is owned and occupied by an individual who acquired it in December 2022.
Source: Yellowstone County records, as of September 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 809 SADDLE LN, BILLINGS, MT 59101-6862 |
| 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.
| Date | Document |
|---|---|
| Dec 14, 2022 | Intrafamily Transfer, Transfer |
| Apr 6, 2018 | Deed of Trust, Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 29, 2021 · Amount on File |
| Deed Sale | Jan 29, 2021 · Amount on File |
| Prior Sale | Apr 6, 2018 · Amount on File |
| Deed Document Number | 20213957904 |
| Last Transfer Date | Dec 6, 2022 |
| Transfer Doc | 0004036911 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Recording Date | Dec 14, 2022 |
| Property Address | 809 SADDLE LN, BILLINGS, MT 59101-6862 |
| Document Number | 0004036911 |
| Map Reference | DOC 731829 |
| Instrument Date | Dec 6, 2022 |
| Instrument | 4036911 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 809 SADDLE LN, BILLINGS, MT 59101-6862 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Property Address | 809 SADDLE LN, BILLINGS, MT 59101-6862 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0003845737 |
|---|---|
| Date | Apr 6, 2018 |
| Instrument | 000003845737 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 357 Months |
| Due | Jan 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | YELLOWSTONE MT |
| Recording Date | Jan 29, 2021 |
| Property Address | 809 SADDLE LN, BILLINGS, MT 59101-6862 |
| Document Number | 0003957904 |
| Map Reference | DOC 731829 |
| Instrument Date | Jan 25, 2021 |
| Instrument | 3957904 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | STEWART TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 809 SADDLE LN, 809, BILLINGS, MT 59101-6862 |
| Name | Verified Name |
|---|---|
| Address | 809 SADDLE LN, BILLINGS, MT 59101-6862 |
| Document Number | 0003957905 |
|---|---|
| Date | Jan 29, 2021 |
| Instrument | 3957905 |
| Name | FIRST FEDERAL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2036 |
The 2025 property tax bill for 809 Saddle Ln was $2,404, down 26.5% from the year before.
Source: Yellowstone County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Montana |
| County | Yellowstone County |
| Unified School District | Lockwood K-12 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $346,600 (-) Land $44,614 Building $301,986 | $346,600 (-) Land $44,614 Building $301,986 | |
| 2025 | $2,404.00 (-26.51%) | $346,600 Land $44,614 Building $301,986 | $346,600 Land $44,614 Building $301,986 |
| 2024 | $3,271.00 (+41.17%) | ||
| 2023 | $2,317.00 | $306,200 | $306,200 Land $37,143 Building $269,057 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 809 Saddle Ln in Zone D, where flood risk has not been studied.
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 risk around 809 Saddle Ln is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 66% of Montana |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LOCKWOOD WATER AND SEWER DISTRICT serves 5,900 people · EPA ID MT0000156 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2023 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 236 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Wisp West Fixed Wireless | 200 / 100 |
| AT&T Fixed Wireless | 100 / 20 |
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