903 Elmo Ct, Belgrade, MT 59714 Property Records

Gallatin County property record for 903 Elmo Ct, Belgrade, MT 59714

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,464 sqft · built 2004
Lot Size	0.238 acres (10,367 sqft)
Owner	Individual Name on Record
Tax Bill	$3,138 (2026)
Deeds & Mortgages	Jul 2026 Transfer Oct 2021 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00REF50108`

Property Details

APN / Parcel Number

Primary APN	`00REF50108`
Alternative APNs	`06-1010-35-4-63-07-0000` `R0629795`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,464 sqft Living Area
1st Floor Area	1,464 sqft
Family Room	Family Room

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,367 sqft (0.238 acres)
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	190 sqft
Deck Area	98 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	00REF50108
Street Address	903 ELMO CT
City	BELGRADE
State	MT
Zip	59714-9763
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HENSON SUB PH 1, S35, T01 N, R04 E, BLOCK 2, LOT 4, ACRES 0.238, PLAT J-384
Legal Range	04E
Legal Township	01N
Legal Section	35
Legal Subdivision	HENSON SUB PH 1
Legal Block	2
Legal Lot Number	4
Jurisdiction	GALLATIN MT
Township / Civil Division	BELGRADE
Census Block Group	2
Census Block	2041
Census Tract	104

Owner

Source: Gallatin County records, as of September 22, 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	903 ELMO CT, BELGRADE, MT 59714-9763
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Quit Claim Deed, Transfer TITLE ESCROW, FLYING S TITLE AND ESCROW
Oct 27, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 19, 2020	Warranty Deed, Transfer · Conventional Mortgage OPPORTUNITY BANK OF MT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2026
Deed Sale	Jul 30, 2026
Prior Sale	Oct 19, 2020 · Amount on Record
Deed Document Number	20262882950
Prior Transfer Date	Sep 6, 2013
Prior Transfer Doc	0002461947
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GALLATIN MT
Recording Date	Jul 30, 2026
Property Address	903 ELMO CT, BELGRADE, MT 59714-9763
Document Number	0002882950
Instrument Date	Jul 20, 2026
Instrument	20262882950
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	TITLE ESCROW, FLYING S TITLE AND ESCROW

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 ELMO CT, BELGRADE, MT 59714-9763

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN MT
Property Address	903 ELMO CT, BELGRADE, MT 59714-9763
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 ELMO CT, BELGRADE, MT 59714-9763

Mortgage

Document Number	0002756120
Date	Oct 27, 2021
Instrument	2756120

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN MT
Recording Date	Oct 19, 2020
Property Address	903 ELMO CT, BELGRADE, MT 59714-9763
Document Number	0002705086
Map Reference	PL J-384
Instrument Date	Oct 15, 2020
Instrument	2705086
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	903 ELMO CT, BELGRADE, MT 59714-9763

Mortgage

Document Number	0002705087
Date	Oct 19, 2020
Instrument	2705087

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Montana
County	Gallatin County
Municipality	Belgrade City
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	$3,138.00 (+5.3%)	$569,700 (-)	$569,700 (-) Land $193,564 Building $376,136
2025	$2,980.00 (-26.8%)	$569,700 (+19.71%)	$569,700 (+19.71%) Land $193,564 Building $376,136
2023	$4,071.00	$475,900	$475,900 Land $135,500 Building $340,400

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 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 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

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

Wildfire Risk	Not rated no burnable land within 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	CITY OF BELGRADE serves 10,460 people · EPA ID MT0000136
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 635 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Montana Opticom Fiber	1,000 / 1,000
SkyNet Communications Fixed Wireless	1,000 / 1,000

May also be available: Verizon.

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