828 W 4th St, Laurel, MT 59044 Property Records

Yellowstone County property record for 828 W 4th St, Laurel, MT 59044

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 872 sqft · built 1925
Lot Size	0.261 acres (11,348 sqft)
Owner	Individual Name on File
Tax Bill	$980 (2025)
Deeds & Mortgages	May 2017 Mortgage Sep 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`000B000020`

Property Details

APN / Parcel Number

Primary APN	`000B000020`
Alternative APNs	`03-0821-08-4-05-23-0000` `R0335346` `B000020` `B00002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	872 sqft Living Area
Gross Area	968 sqft
1st Floor Area	872 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 2000
Architectural Style	Bungalow
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,348 sqft (0.261 acres)
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	489 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	111 sqft
Shed	1 Shed
Shed Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	828 W 4TH ST
City	LAUREL
State	MT
Zip	59044-2635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Description	BENNETT SUBD (LAUREL), S08, T02 S, R24 E, BLOCK 1, LOT 1
Legal Range	24E
Legal Township	02S
Legal Section	08
Legal Subdivision	BENNETT SUBD (LAUREL)
Legal Block	1
Legal Lot Number	1
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	LAUREL
Census Block Group	3
Census Block	3034
Census Tract	1901

Owner

828 W 4th St is owned and occupied by an individual who acquired it in November 2021.

Source: Yellowstone County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	828 W 4TH ST, LAUREL, MT 59044-2635
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
May 25, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MAGNOLIA BANK
Nov 17, 2021	Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Jan 12, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2021
Deed Sale	Nov 17, 2021
Deed Document Number	20213997844
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	828 W 4TH ST, LAUREL, MT 59044-2635
Transaction Type	Mortgage
Record Updated	Dec 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003814748
Date	May 25, 2017
Instrument	3814748

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	828 W 4TH ST, LAUREL, MT 59044-2635
Transaction Type	Mortgage
Record Updated	Dec 2, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003897271
Date	Sep 24, 2019
Instrument	3897271

Lender

Name	MAGNOLIA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Nov 17, 2021
Property Address	828 W 4TH ST, LAUREL, MT 59044-2635
Document Number	0003997844
Map Reference	DOC 844752
Instrument Date	Nov 16, 2021
Instrument	3997844
Transaction Type	Transfer
Record Updated	Dec 2, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	837 W MAIN ST, 837, LAUREL, MT 59044-2600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 W 4TH ST, LAUREL, MT 59044-2635

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	828 W 4TH ST, LAUREL, MT 59044-2635
Document Number	0003839446
Instrument Date	Jan 12, 2018
Transaction Type	Mortgage
Record Updated	Feb 5, 2018
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	828 W 4TH ST LAUREL MT 590442635, LAUREL, MT 59044-2635

Mortgage

Document Number	0003839446
Date	Jan 22, 2018
Instrument	3839446

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 21, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 828 W 4th St was $980, down 28.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$241,100 (-) Land $66,206 Building $174,894	$241,100 (-) Land $66,206 Building $174,894
2025	$980.00 (-28.21%)	$241,100 Land $66,206 Building $174,894	$241,100 Land $66,206 Building $174,894
2024	$1,365.00 (+5.41%)
2023	$1,295.00	$204,500	$204,500 Land $43,219 Building $161,281

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

Flood

FEMA maps place 828 W 4th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1997 · Severe Storms,ice Jams, Snow Melt, Flooding

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 828 W 4th St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 86% of Montana
Wildfire Likelihood	0.04% 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	LAUREL MUNICIPAL WATER SYSTEM serves 6,339 people · EPA ID MT0000270
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jun 2022
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 375 locations within half a mile, as of December 31, 2025

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

May also be available: TCT Internet, Verizon.

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