12430 Rippling Waters Rd, Bigfork, MT, 59911
About This Home
Rare, rare find on the rippling portion of the Swan River! Beautiful Swan Range mountain views are the backdrop along with forest across the river of three contiguous lots totaling 1.37 acres and 300 feet of riverfront. The land is quite lovely with mature trees in a park-like setting with level ground. Imagine your home and even additional cabins for family and guests. There is an existing home on the south lot that would be a great mid-century reno project featuring stone fireplace, big windows facing the river and two bedrooms/two baths. Come walk this property to appreciate! Please be aware of new Montana property tax law and differences between rates for primary residences and vacation/2nd home properties - see documents.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1968
Materials
- Foundation: Poured
- Roof: Composition
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range,Refrigerator
- Laundry features: Washer Hookup
Basement
- Has basement: Yes
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
Features
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area below ground: 0
Interior Area
- Total interior livable area: 1,232 sqft
Property
Details
- Parcel number: 15370811204070000
- Special condition: Standard
Features
- Levels: One
- Has view: Yes
- View description: Mountain(s),Creek/Stream,Trees/Woods
- Has water view: Yes
- Water view: true
- On waterfront: Yes
- Waterfront features: Navigable Water,River Front,Waterfront
- Waterbody name: Swan River
- Topography of land: Level
Lot
- Lot size: 1.37 Acres
- Features: Level
Parking
- Total spaces: 2
- Parking features: Carport
- Covered spaces: 2
- Carport: Yes
- Carport spaces: 2
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
- Winter Weather
- Cold Wave
- Wildfire
- Avalanche
- Earthquake
- Inland Flooding
- Landslide
How This Home’s Risks Compare
FEMA Declared Disasters in Lake 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 | $12,894 | $154,728 |
| Home Insurance | $2,321 | $27,852 |
| Property Taxes | $682 | $8,184 |
| Electricity | $151 | $1,812 |
| Total | $16,048 | $192,576 |
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 |
|---|---|---|
| 2026-07-03 | Listed for sale | $2,550,000 |
| 2012-09-24 | Sold | -- |
View on Zillow