140 Saddle Creek Rd, Troy, MT, 59935
About This Home
Discover the quintessential Montana property on 3.36 private acres, featuring over 200 feet of scenic Seventeenmile Creek frontage. This meticulously maintained 2 bed, 1 bath cabin blends romantic charm with modern luxuries, including exposed interior beams, rich wood walls, and a cozy wood stove set on a rock hearth. Stay comfortable year-round with heat pumps on both floors and enjoy a beautifully renovated kitchen. A recently installed generator ensures peace of mind. Outdoor living is enhanced by a private walking and 4-wheeling trail to the creek, a newly constructed 24x36 enclosed metal RV port, and multiple outbuildings— including a timber-framed enclosed carport, a wired shed, and a deluxe chicken coop. Green thumbs will love the greenhouse and fenced garden, while livestock enthusiasts will appreciate the hot wire fenced pastures. This is Montana living at its finest.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1950
Materials
- Foundation: Block
- Roof: Metal
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Range,Refrigerator
- Laundry features: Washer Hookup
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Features
- Fireplace
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area below ground: 0
Heating & Cooling
- Heating features: Ductless,Heat Pump,Propane,Wood Stove,Wall Furnace
- Cooling features: Ductless
Interior Area
- Total interior livable area: 934 sqft
Property
Details
- Parcel number: 56460526102080000
- Special condition: Standard
- Other equipment: Generator
Features
- Levels: One and One Half
- Patio & porch: Deck
- Exterior features: Garden
- Fencing: Electric,Wire
- Has view: Yes
- View description: Creek/Stream,Trees/Woods
- Has water view: Yes
- Water view: true
- On waterfront: Yes
- Waterfront features: Creek,Waterfront
- Waterbody name: Seventeenmile Creek
- Topography of land: Level,Varied
- Horses can be raised: Yes
Lot
- Lot size: 3.36 Acres
- Features: Back Yard,Front Yard,Garden,Landscaped,Pasture,Secluded,Wooded,Level
Parking
- Total spaces: 4
- Parking features: Garage,Carport
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 4
- 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
- Inland Flooding
- Winter Weather
- Cold Wave
- Wildfire
- Avalanche
- Landslide
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters in Lincoln 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 | $2,922 | $35,064 |
| Home Insurance | $266 | $3,192 |
| Property Taxes | $130 | $1,560 |
| Electricity | $151 | $1,812 |
| Total | $3,469 | $41,628 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-17 | Listed for sale | $583,000 |
| 2025-11-02 | Listing removed | $594,000 |
| 2025-05-05 | Listed for sale | $594,000 |
| 2024-07-01 | Listing removed | $648,000 |
| 2024-04-01 | Price change | $648,000 |
| 2024-01-04 | Listed for sale | $658,000 |
| 2023-09-05 | Listing removed | -- |
| 2023-08-11 | Listed for sale | $658,000 |
| 2023-07-17 | Listing removed | -- |
| 2023-07-07 | Price change | $663,000 |
| 2023-06-23 | Price change | $680,000 |
| 2023-06-13 | Listed for sale | $699,000 |
| 2023-02-08 | Listing removed | -- |
| 2021-06-29 | Sold | -- |
| 2021-05-20 | Contingent | $325,000 |
| 2021-05-20 | Listed for sale | $325,000 |
| 2021-05-20 | Pending sale | $325,000 |
| 2021-05-11 | Listed for sale | $325,000 |
| 2021-02-10 | Listing removed | $300,000 |
| 2020-12-31 | Price change | $300,000 |
| 2020-12-23 | Pending sale | $250,000 |
| 2020-12-15 | Listed for sale | $250,000 |
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