




3765 Pirate Point Rd, Helena, MT, 59602
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
Schools
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
- Winter Weather
- Inland Flooding
- Landslide
- Wildfire
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters in Lewis and Clark County and Montana
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
| Monthly | Annual | |
|---|---|---|
| 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...
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-02-14 | Listed for sale | $2,699,000 |
| 2016-06-24 | Sold | -- |
| 2016-04-29 | Pending sale | $979,000 |
| 2016-04-22 | Listed for sale | $979,000 |
