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1263 Spencer Ridge Rd, Whitefish, MT, 59937

5beds
7baths
7,325sqft
$6,795,000
$928price/sqft
$39,689/moest. monthly cost
$1,587,560/yrincome needed

About This Home

Located within the gated privacy of Whitefish Hills, 1263 Spencer Ridge takes full advantage of one of the best 20 acre lots in the development with views of the Whitefish & Swan Mountain Ranges and stunning views into Glacier National Park and Mt. Jackson. These views are celebrated from virtually every room in this timeless Montana residence of stone, timber and wood handcrafted around a thoughtful and efficient home design to a level of detail rarely experienced. This meticulously maintained home, shop & guest quarters, totaling 8405 SF of finished living space, is blended into the hillside and lives seamlessly with the outdoors from various decks and stone patios surrounded by mature landscaping, terraced gardens and a water feature whispering falling water to the private primary bedroom wing. A series of connected trails makes it easy to venture farther from the home to enjoy the acres of thinned and professionally maintained forest and the serene shore of a shared lily pond below the home. Upon entry from stone steps set under massive timber trusses the home welcomes you with a feeling of warmth and comfort exuded from colors, textures and materials blended in a style of refined Montana rustic. Plaster walls, stained alder trim and doors, sturdy bronze hardware, wood burning stone fireplaces and distressed hardwood floors set the tone while being complimented by top of the line plumbing and light fixtures, appliances, cabinetry and stone countertops. The additional comforts of radiant heat flooring, central air conditioning, audio and controlled lighting systems round out the amenities of a truly custom home experience. From the main entry foyer the home flows into a comfortable open concert of great room, dining area, kitchen and sit up bar all accessing outdoor decks. An incredibly private main floor primary bedroom wing is connected by an impressive glass and stone gallery while the open stairwell makes the transition to the lower level with three additional ensuite bedrooms, family and game room, bar, gym, office, theatre and wine room. Connecting easily from the kitchen, the stone floor mudroom makes the transition to the large three car garage and full guest apartment, while the detached shop located a few steps from the main home adds additional toy storage with more guest quarters above. Complimented by the amenities of Whitefish Hills and shared access to Blanchard Lake this home and location are priced at a true value.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

7/10
Whitefish Middle 5-8Grades 5-83.7 mi
8/10
Whitefish High SchoolGrades 9-123.7 mi
8/10
L A Muldown SchoolGrades PK-43.7 mi

Construction

Condition

  • Year built: 2008

Materials

  • Roof: Asphalt,Metal
  • Construction materials: Stone,Wood Siding

Other

  • Builder name: Bear Mountain Builders

Type & Style

  • Home type: SingleFamily
  • Architectural style: Custom
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Freezer,Disposal,Microwave,Range,Refrigerator,Water Softener,Wine Cooler,Washer
  • Laundry features: In Basement,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Bathroom,Bedroom,Egress Windows,Rec/Family Area,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 7
  • Full bathrooms: 2
  • 3/4 bathrooms: 3
  • 1/2 bathrooms: 2

Features

  • Wet Bar,Fireplace,Steam Shower,Vaulted Ceiling(s),Walk-In Closet(s),Window Treatments,Home Theater
  • Window features: Window Coverings
  • Flooring: Hardwood,Partially Carpeted,Tile
  • Fireplace features: Basement,Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 3,767

Heating & Cooling

  • Heating features: Forced Air,Natural Gas,Radiant Floor
  • Cooling features: Central Air

Interior Area

  • Total structure area: 7,325
  • Total interior livable area: 7,325 sqft

Property

Details

  • Parcel number: 0000504478
  • Zoning description: RR
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Balcony,Covered,Deck,Patio,Porch
  • Exterior features: Blacktop Driveway,Landscaping
  • Has view: Yes
  • View description: Lake,Mountain(s),Pond,Trees/Woods
  • Has water view: Yes
  • Water view: Lake,Pond
  • On waterfront: Yes
  • Waterfront features: Pond

Lot

  • Lot size: 20 Acres
  • Features: Adjacent To Public Land,Lawn,Landscaped

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Winter Weather
Ice Storm
Lightning
Wildfire

FEMA Declared Disasters in Flathead County and Montana

Flood
Severe Storm
Straight Line Winds
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $34,359$412,308
Home Insurance $1,518$18,216
Property Taxes $3,310$39,720
Electricity $502$6,035
Total$39,689$476,268

Income You'd Need if You Spent...

35% on housing$1,360,765/yr
40% on housing$1,190,670/yr
45% on housing$1,058,373/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 5.6%
5.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$928This listing

vs Other Active Listings

Avg $/sqft

ZIP 59937$557
Flathead County$399

vs Homes Sold Last Month

Median $/sqft

ZIP 59937$482
Flathead County$363

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-15Listed for sale$6,795,000
2025-11-05Listing removed$6,995,000
2025-07-09Listed for sale$6,995,000
2025-07-03Contingent$6,995,000
2025-06-26Listed for sale$6,995,000
2018-08-22Listing removed$3,000,000
2018-08-22Listed for sale$3,000,000
2018-08-21Sold--
2018-02-19Price change$3,995,000
2017-09-29Price change$4,995,000
2017-03-01Price change$4,195,000
2016-03-11Listed for sale$4,500,000
2014-12-27Listing removed$4,100,000
2014-10-15Price change$4,100,000
2014-07-16Listed for sale$3,475,000
2014-06-05Listing removed$3,900,000
2013-06-14Listed for sale$3,900,000

For Sale by Agent

AgentMike Schlauch
BrokeragePureWest Real Estate Bozeman

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