946 Ginger Ave, Billings, MT 59105 Property Records

Yellowstone County property record for 946 Ginger Ave, Billings, MT 59105

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,520 sqft · built 1993
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,879 (Feb 2023)
Tax Bill	$3,233 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Nov 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`000A240760`

Property Details

APN / Parcel Number

Primary APN	`000A240760`
Alternative APNs	`03-1033-20-4-13-20-0000` `R0325122` `A240760` `A24076`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,874 sqft Living Area
Gross Area	3,024 sqft
1st Floor Area	1,520 sqft
Basement Area	1,504 sqft
Finished Basement	1,354 sqft
Unfinished Basement	150 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,600 sqft (0.22 acres)
View / Lot	Neighborhood / Spot
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Deck Area	422 sqft
Patio Area	806 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	946 GINGER AVE
City	BILLINGS
State	MT
Zip	59105-2054
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-96
Legal Description	TERRACE ESTATES SUB 1ST FILING, S20, T01 N, R26 E, BLOCK 15, LOT 4
Legal Range	26E
Legal Township	01N
Legal Section	20
Legal Subdivision	TERRACE ESTATES SUB 1ST FILING
Legal Block	15
Legal Lot Number	4
Jurisdiction	YELLOWSTONE MT
Township / Civil Division	NORTHWEST YELLOWSTONE
Census Block Group	4
Census Block	4042
Census Tract	1402

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	2 Individual Names on Record
Mailing Address	946 GINGER AVE, BILLINGS, MT 59105-2054
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2023	Warranty Deed, Transfer · Conventional Mortgage OPPORTUNITY BANK OF MT
Nov 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERSTATE BANK
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK & TRUST
Nov 10, 2020	Correction Deed, Transfer FIRST MONTANA TITLE
Jan 8, 2020	Warranty Deed, Transfer · Stand-Alone Refinance FIRST INTERSTATE BANK
Jun 29, 2017	Grant Deed, Transfer STOCKMAN BK/MT
Jun 20, 2017	Trustee's Deed, Construction Loan · Line of Credit FIRST INTERSTATE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2023 · Amount on Record
Deed Sale	Feb 3, 2023 · Amount on Record
Prior Sale	Nov 10, 2020 · Amount on Record
Deed Document Number	20234039968
Prior Transfer Date	Jan 8, 2020
Prior Transfer Doc	0003907930
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Feb 3, 2023
Property Address	946 GINGER AVE, BILLINGS, MT 59105-2054
Document Number	0004039968
Map Reference	DOC 1095082
Instrument Date	Feb 2, 2023
Instrument	4039968
Transaction Type	Transfer
Record Updated	Feb 16, 2023
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
Relationship	Joint Tenants with Right of Survivorship
Address	946 GINGER AVE, BILLINGS, MT 59105-2054

Mortgage

Document Number	0004039969
Date	Feb 3, 2023
Instrument	4039969

Lender

Name	OPPORTUNITY BANK OF MT
Type	Bank

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	946 GINGER AVE, BILLINGS, MT 59105-2054
Transaction Type	Mortgage
Record Updated	Jun 29, 2021
Title Company	FIRST MONTANA TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003947037
Date	Nov 10, 2020
Instrument	3947037

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	BILLINGS, MT 59102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Feb 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YELLOWSTONE MT
Property Address	946 GINGER AVE, BILLINGS, MT 59105-2054
Transaction Type	Mortgage
Record Updated	Jun 29, 2021
Title Company	FIRST MONTANA TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003956922
Date	Jan 25, 2021
Instrument	3956922

Lender

Name	FIRST FEDERAL BANK & TRUST
Type	Bank
Address	SHERIDAN, WY 82801

Agreement

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

November 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Nov 10, 2020
Property Address	946 GINGER AVE, BILLINGS, MT 59105-2054
Document Number	0003947036
Instrument Date	Nov 10, 2020
Instrument	3947036
Transaction Type	Transfer
Record Updated	Nov 18, 2020
Title Company	FIRST MONTANA TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	946 GINGER AVE BILLINGS MT 591052054, BILLINGS, MT 59105-2054

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Jan 8, 2020
Property Address	946 GINGER AVE, BILLINGS, MT 59105-2054
Document Number	0003907930
Instrument Date	Jan 8, 2020
Instrument	3907930
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	MISC COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	946 GINGER AVE, BILLINGS, MT 59105-2054
Investor	Possibly a Property Investor

Mortgage

Document Number	0003907931
Date	Jan 8, 2020
Instrument	3907931

Lender

Name	FIRST INTERSTATE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Jun 29, 2017
Property Address	946 GINGER AVE, BILLINGS, MT 59105-2054
Document Number	0003818313
Instrument Date	Jun 29, 2017
Instrument	3818313
Transaction Type	Transfer
Record Updated	Jul 5, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO 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 with Right of Survivorship
Address	PO BOX 928 HARDIN MT 590340928, HARDIN, MT 59034-0928

Mortgage

Document Number	3818314
Date	Jun 29, 2017
Instrument	3818314

Lender

Name	STOCKMAN BK/MT
Type	Bank
Address	MILES CITY, MT 59301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2047

June 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	YELLOWSTONE MT
Recording Date	Jun 20, 2017
Property Address	946 GINGER AVE, BILLINGS, MT 59105-2054
Instrument Date	May 25, 2017
Instrument	3817336
Transaction Type	Construction Loan
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	946 GINGER AVE BILLINGS MT 591052054, BILLINGS, MT 59105-2054

Mortgage

Document Number	0003817336
Date	Jun 20, 2017
Instrument	3817336

Lender

Name	FIRST INTERSTATE BK
Type	Bank
Address	BILLINGS, MT 59116-0918

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jun 19, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$463,000 (+11.43%) Land $62,891 Building $400,109	$463,000 (+11.43%) Land $62,891 Building $400,109
2025	$3,233.00 (-12.79%)
2023	$3,707.00	$415,500	$415,500 Land $64,994 Building $350,506

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 · 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
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	Low lower than 80% of the US · lower than 93% of Montana
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect 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 BILLINGS serves 114,000 people · EPA ID MT0000153
Water Source	Surface water
Last State Inspection	May 2025
Lead	3 ppb (2024–2026) 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 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Wisp West Fixed Wireless	200 / 100

May also be available: AT&T.

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