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3765 Pirate Point Rd, Helena, MT, 59602

9beds
7baths
7,108sqft
$2,599,000
$366price/sqft
$15,990/moest. monthly cost
$639,600/yrincome needed

About This Home

Luxury Waterfront Living on Canyon Ferry Lake – Coveted Magpie Bay | Helena, MT....Welcome to an extraordinary waterfront retreat in highly sought-after Magpie Bay on Canyon Ferry Lake, where panoramic views stretch endlessly across sparkling water and mountain horizons. With direct lake access and your own private dock, this is Montana lake living at its absolute finest. Designed for both grand entertaining and comfortable everyday living, this impressive estate offers 7 bedrooms and 6 bathrooms in the main residence, plus separate guest quarters above the detached garage featuring 2 additional bedrooms and a private bath — perfect for extended stays, multi-generational living, or hosting unforgettable weekends at the lake. Main-level living ensures convenience and elegance, anchored by a luxurious primary suite with ensuite bath. An additional main-level bedroom, designated office, full & half baths, and a spacious laundry room provide exceptional functionality while a thoughtfully curated bank of windows drenches the living and dining room with natural light, framing views that truly take your breath away. A stunning 2025 remodel elevated this home to modern luxury standards. New LVT flooring flows seamlessly throughout, while the show stopping kitchen serves as the heart of the home. Featuring quartz countertops, a 36" induction cooktop, insta-hot water system for near-boiling water on demand, high-end finishes, and an expansive layout, it’s designed for gathering. A butler’s pantry adds both beauty and practicality, offering additional prep and storage space and a stand-alone ice maker for effortless entertaining. The mudroom is as functional as it is beautiful, complete with a built-in bench featuring live-edge detailing, ample storage, and a dedicated dog-washing station — because lake life should be enjoyed by every member of the family. The second floor offers four bedrooms and 2 bathrooms (including an ensuite), plus two lovely common areas. Step out onto the balcony which showcases some of the best panoramic lake views. Downstairs you'll find a large living area with a wet bar which leads to a private patio overlooking the lake, a media area, kitchenette, a bedroom, a full bath complete with sauna, and an impressive flex/storage room. This home truly has all the bells and whistles: hot water circulating system for near-instant hot water at every faucet, central vacuum system, one furnace per floor & dual A/C units (main + upper), 10 KW generator with automatic transfer switch, owned solar panels averaging 10,000+ kWh annually, Ring security system, infrared sauna, built-in grill with high-power burner, south-facing decks and patio, and underground sprinklers. With convenient entry to the lake from your own private dock, direct deep-water access, a private EZ Dock floating dock system and a Sunstream hydraulic boat lift with solar charger and remote control, stepping into lake life has never been easier! Whether you're savoring morning coffee as the sun rises over the water, hosting sunset dinners on the patio, or stepping from your dock onto the lake for an afternoon adventure, this rare Canyon Ferry offering delivers an unmatched lifestyle. Luxury. Space. Privacy. Waterfront perfection.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

--
Eastgate SchoolGrades PK-K10.0 mi
7/10
East Valley Middle SchoolGrades 6-810.6 mi
--
East Helena High SchoolGrades 9-1210.8 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2005

Materials

  • Foundation: Poured
  • Roof: Asphalt
  • Construction materials: Brick,See Remarks

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Microwave,Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Daylight,Full,Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 9
  • Bathrooms: 7
  • Full bathrooms: 5
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Fireplace,Main Level Primary,Open Floorplan,Sauna,Home Theater,Walk-In Closet(s),Wet Bar,Central Vacuum
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 2,133

Heating & Cooling

  • Heating features: Forced Air,Gas,Propane
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 7,108 sqft

Property

Details

  • Parcel number: 05189011102350000
  • Zoning description: 1
  • Special condition: Standard
  • Other equipment: Generator

Features

  • Levels: Two
  • Exterior features: Built-in Barbecue,Barbecue,Dock
  • Fencing: Chain Link
  • Has view: Yes
  • View description: Lake,Mountain(s)
  • Has water view: Yes
  • Water view: true
  • On waterfront: Yes
  • Waterfront features: Dock Access,Lake,Waterfront
  • Waterbody name: Canyon Ferry Lake

Lot

  • Lot size: 0.60 Acres
  • Features: Front Yard,Landscaped,Sprinklers In Ground

Parking

  • Total spaces: 4
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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 WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Inland Flooding
Landslide
Wildfire
Lightning

FEMA Declared Disasters in Lewis and Clark County and Montana

Fire
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 $13,141$157,692
Home Insurance $935$11,220
Property Taxes $1,426$17,112
Electricity $488$5,856
Total$15,990$191,880

Income You'd Need if You Spent...

35% on housing$548,228/yr
40% on housing$479,700/yr
45% on housing$426,400/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: 11.1%
11.1%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 4.6%
4.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$366This listing

vs Other Active Listings

Avg $/sqft

ZIP 59602$240
Lewis and Clark County$216

vs Homes Sold Last Month

Median $/sqft

ZIP 59602$256
Lewis and Clark County$267

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
2026-02-14Listed for sale$2,699,000
2016-06-24Sold--
2016-04-29Pending sale$979,000
2016-04-22Listed for sale$979,000

For Sale by Agent

AgentFreyja Bell
BrokerageUncommon Ground, LLC

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