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Single Family ResidenceResidential
$129,587$132 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

40 UPPER ROW ST

BELT, MT 59412
2
Beds
1
Baths
982 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1896
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$130K
$122K low$137K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$65,446
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$52,357
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.47%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$64,141
OPPORTUNITY BANK OF MT · recorded Nov 16, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$824 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$150,400 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$150,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$150,400

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.28
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
53
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
51
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
16
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
19
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Historical
CountyCascade
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1960
Lot (acres)The size of the land the home sits on, from county records.0.18
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Stone (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Prefab
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 120 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Belt High SchoolA+
High · Grades 9–12 · 0.2 mi
E
Belt SchoolA+
Elementary · Grades PK–6 · 0.2 mi
M
Belt 7-8A+
Middle · Grades 7–8 · 0.2 mi

District: Belt High School District

Neighborhood · ZIP 59412These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.123
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.107
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.48

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.86%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.1,761
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,061
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$92,286
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.17 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Ownership

Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

40 Upper Row St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the least valuable homes in Cascade County
  • Among the lowest price per square foot in Cascade County
  • Smaller than 82% of homes in Belt 59412
  • Has a smaller lot than 80% of homes in Belt 59412
  • Among the oldest homes in Cascade County

What homes are worth in Belt 59412

Each bar is how many homes fall in that price range. The marker is this home.

This home
$136K$3.5M

This home is worth more than 2% of homes in Belt 59412.

How it measures up in Belt 59412

The dot is this home. The mark in the middle is the typical home in Belt 59412.

Estimated value$129,587
CheaperTypical $486,173Pricier

Pricier than 2% of homes nearby

Price per ft²$132
CheaperTypical $320Pricier

Pricier than 2% of homes nearby

Living area982 ft²
SmallerTypical 1,440 ft²Bigger

Bigger than 18% of homes nearby

Lot size0.18 ac
SmallerTypical 2.72 acBigger

Bigger than 20% of homes nearby

Year built1896
OlderTypical 1976Newer

Newer than 8% of homes nearby

How 40 Upper Row St ranks against every home in each area.
MeasureThis homeBelt 59412Cascade County
Estimated valuepricier than$129,5872% of homesalmost no homes
Price per ft²pricier than$1322% of homesalmost no homes
Living areabigger than982 ft²18% of homes25% of homes
Lot sizebigger than0.18 ac20% of homes42% of homes
Year builtnewer than18968% of homesalmost no homes

About 40 Upper Row St

How much is 40 Upper Row St, Belt, MT worth?

The TopHap Estimate for 40 Upper Row St, Belt, MT is $129,587 as of Jul 14, 2026. The likely range is $122,409 to $136,765. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40 Upper Row St, Belt, MT last sell?

40 Upper Row St, Belt, MT last sold on Nov 16, 2020, according to the county's recorded deed.

How big is 40 Upper Row St, Belt, MT?

40 Upper Row St, Belt, MT has 2 bedrooms, 1 bathrooms, 982 square feet of living space and a 0.18-acre lot.

When was 40 Upper Row St, Belt, MT built?

40 Upper Row St, Belt, MT was built in 1896, making it 130 years old. It is a historical home. The building has 1 story.

What schools serve 40 Upper Row St, Belt, MT?

40 Upper Row St, Belt, MT is assigned to Belt High School (high), rated A+; Belt School (elementary), rated A+; Belt 7-8 (middle), rated A+. All sit in Belt High School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 40 Upper Row St, Belt, MT compare to other homes in Belt 59412?

Among the 823 homes in Belt 59412, it is worth more than 2% of them ($129,587 against a typical $486,173), its price per square foot is higher than 2% of them ($132 against a typical $320), it is bigger than 18% of them (982 ft² against a typical 1,440 ft²), its lot is bigger than 20% of them (0.18 ac against a typical 2.72 ac) and it is newer than 8% of them (1896 against a typical 1976). Measured against all of Cascade County, it is worth more than almost no homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 40 Upper Row St, Belt, MT?

The 2025 property tax bill for 40 Upper Row St, Belt, MT was $824. The county assessed it at $150,400.

Closest homes

More homes in Belt 59412

Assigned schools

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