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Rural ResidenceResidential
$750,000$377 / 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
Last sold for $263,500 on Sep 14, 2010

531 W RIVER ROCK RD

BELGRADE, MT 59714
6
Beds
3
Baths
1,988 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$750K
$708K low$792K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$263,500 · Sep 14, 2010
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.$448,769
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$359,015
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.37%
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.$250,000
MISSION LOANS LLC · recorded Jan 21, 2022
2nd 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.$51,231
FLATHEAD BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,793 (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.$701,100 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$676,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$701,100

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.27
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
47
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
58
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
9
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
12
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.1 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyGALLATIN
Lot (acres)The size of the land the home sits on, from county records.0.20
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
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.Deck · 168 ft²Porch · 220 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.

E
Ridge View Elementary SchoolA+
Elementary · Grades KG–4 · 0.4 mi
M
Belgrade Middle SchoolB-
Middle · Grades 5–8 · 2.2 mi
H
Belgrade High SchoolB
High · Grades 9–12 · 2.3 mi

District: Belgrade Elementary School District

Neighborhood · ZIP 59714These 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.81
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.182

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.24,854
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.52 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,518
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$112,456
Average tempThe average temperature here across a full year.41°F
Annual precipHow much rain and melted snow falls here in a typical year.24 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
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

531 W River Rock Rd 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.

  • Worth more than 74% of homes in Belgrade 59714
  • Costs less per square foot than 68% of homes in Gallatin County
  • Bigger than 77% of homes in Belgrade 59714
  • Has a smaller lot than 66% of homes in Gallatin County

What homes are worth in Belgrade 59714

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

This home
$258K$3.1M

This home is worth more than 74% of homes in Belgrade 59714.

How it measures up in Belgrade 59714

The dot is this home. The mark in the middle is the typical home in Belgrade 59714.

Estimated value$750,000
CheaperTypical $568,249Pricier

Pricier than 74% of homes nearby

Price per ft²$377
CheaperTypical $375Pricier

Pricier than 51% of homes nearby

Living area1,988 ft²
SmallerTypical 1,548 ft²Bigger

Bigger than 77% of homes nearby

Lot size0.2 ac
SmallerTypical 0.24 acBigger

Bigger than 40% of homes nearby

Year built2005
OlderTypical 2003Newer

Newer than 60% of homes nearby

How 531 W River Rock Rd ranks against every home in each area.
MeasureThis homeBelgrade 59714Gallatin County
Estimated valuepricier than$750,00074% of homes47% of homes
Price per ft²pricier than$37751% of homes32% of homes
Living areabigger than1,988 ft²77% of homes67% of homes
Lot sizebigger than0.2 ac40% of homes34% of homes
Year builtnewer than200560% of homes63% of homes

About 531 W River Rock Rd

How much is 531 W River Rock Rd, Belgrade, MT worth?

The TopHap Estimate for 531 W River Rock Rd, Belgrade, MT is $750,000 as of Jul 14, 2026. The likely range is $708,461 to $791,539. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 531 W River Rock Rd, Belgrade, MT last sell?

531 W River Rock Rd, Belgrade, MT last sold on Sep 14, 2010 for $263,500, according to the county's recorded deed.

How big is 531 W River Rock Rd, Belgrade, MT?

531 W River Rock Rd, Belgrade, MT has 6 bedrooms, 3 bathrooms, 1,988 square feet of living space and a 0.20-acre lot.

When was 531 W River Rock Rd, Belgrade, MT built?

531 W River Rock Rd, Belgrade, MT was built in 2005, making it 21 years old. It is a conventional home. The building has 1 story.

What schools serve 531 W River Rock Rd, Belgrade, MT?

531 W River Rock Rd, Belgrade, MT is assigned to Ridge View Elementary School (elementary), rated A+; Belgrade Middle School (middle), rated B-; Belgrade High School (high), rated B. All sit in Belgrade Elementary School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 531 W River Rock Rd, Belgrade, MT compare to other homes in Belgrade 59714?

Among the 9,750 homes in Belgrade 59714, it is worth more than 74% of them ($750,000 against a typical $568,249), its price per square foot is higher than 51% of them ($377 against a typical $375), it is bigger than 77% of them (1,988 ft² against a typical 1,548 ft²), its lot is bigger than 40% of them (0.2 ac against a typical 0.24 ac) and it is newer than 60% of them (2005 against a typical 2003). Measured against all of Gallatin County, it is worth more than 47% of 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 531 W River Rock Rd, Belgrade, MT?

The 2025 property tax bill for 531 W River Rock Rd, Belgrade, MT was $2,793. The county assessed it at $701,100.

Closest homes

More homes in Belgrade 59714

Assigned schools

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