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818 Lake Creek Rd, Troy, MT, 59935

3beds
2baths
1,127sqft
$550,000
$488price/sqft
$3,336/moest. monthly cost
$133,440/yrincome needed

About This Home

Meticulously maintained manufactured home with addition, on 9.5 acres with 220' of Lake Creek frontage. This property has never been on the market! The back covered deck has an amazing view of mountains and the field that leads to Lake Creek. Watch the elk and deer from your own back deck, Home has wood heat, forced air, heat pump, and electric baseboard heaters. Both the garage and shop have power, with an RV shore hook up in the shop. Multiple outbuildings leave plenty of room for storage. Located just off Lake Creek Road, which is paved and county maintained. Close to town but still peaceful with abundant wildlife. Don't miss out on owning this never before listed property. IT IS RECOMMENDED THAT ALL BUYERS AND BUYERS' AGENTS VERIFY ALL INFORMATION PROVIDED TO THEM REGARDING THIS PROPERTY TO THEIR SATISFACTION. THIS INFORMATION IS PROVIDED BY OUTSIDE SOURCES AND DEEMED RELIABLE BUT NOT WARRANTED BY LISTING AGENT OR LISTING AGENCY. The information has been provided by the Seller and has not been verified by the Broker. Information is deemed reliable but not guaranteed.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

7/10
W F Morrison SchoolGrades PK-62.8 mi
6/10
Troy 7-8Grades 7-83.0 mi
4/10
Troy High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Block
  • Roof: Metal

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Other
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator
  • Laundry features: Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Other

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Main Level Primary
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Baseboard,Electric,Forced Air,Heat Pump,Wood Stove
  • Cooling features: Ductless

Interior Area

  • Total interior livable area: 1,127 sqft

Property

Details

  • Parcel number: 56428130102010000
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Rear Porch,Covered
  • Exterior features: RV Hookup
  • Fencing: None
  • Has view: Yes
  • View description: Meadow,Mountain(s),Creek/Stream,Valley,Trees/Woods
  • Has water view: Yes
  • Water view: true
  • On waterfront: Yes
  • Waterfront features: Creek,Waterfront
  • Waterbody name: Lake Creek
  • Topography of land: Varied
  • Horses can be raised: Yes

Lot

  • Lot size: 9.52 Acres
  • Features: Back Yard,Front Yard,Level,Meadow,Pasture,Views,Wooded

Parking

  • Total spaces: 2
  • Parking features: RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 1

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

  • Inland Flooding
    Inland FloodingVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Wildfire
    WildfireRelatively High
  • Avalanche
    AvalancheModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Wildfire
Avalanche
Landslide
Lightning

FEMA Declared Disasters in Lincoln 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 $2,781$33,372
Home Insurance $253$3,036
Property Taxes $151$1,812
Electricity $151$1,812
Total$3,336$40,032

Income You'd Need if You Spent...

35% on housing$114,377/yr
40% on housing$100,080/yr
45% on housing$88,960/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: 12.1%
12.1%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 4.5%
4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$488This listing

vs Other Active Listings

Avg $/sqft

ZIP 59935$281
Lincoln County$284

vs Homes Sold Last Month

Median $/sqft

ZIP 59935
Lincoln County$281

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)

No zestimate history available

Price History

DateEventPrice
2026-02-02Price change$550,000
2025-10-01Price change$575,000
2025-03-20Price change$600,000
2024-09-08Price change$650,000
2024-08-14Listed for sale$699,000
2024-07-04Listing removed--
2024-04-12Listed for sale$699,000

For Sale by Agent

AgentSharon Denton
BrokerageClearwater Montana Properties - Troy

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