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2413 Capstone Ct, Thompson Falls, MT, 59873

3beds
3baths
3,197sqft
$675,000
$211price/sqft
$4,167/moest. monthly cost
$166,680/yrincome needed

About This Home

New roof in progress, and a new deck as of 2025! All the hard work has been done for many years of low maintenance ahead! Escape to the beauty of western Montana with this thoughtfully designed retreat offering space, flexibility, and long-term value. Located in a quiet setting in Thompson Falls, this 3,000+ sq ft home with oversized two-car attached garage is ideal for remote work, multi-generational living, or those seeking a peaceful second home with room to host. The main level features warm craftsmanship throughout, including custom built-ins, rich finishes, and expansive windows that bring in natural light and surrounding views. The open-concept living, kitchen, and dining areas create an inviting space for everyday living or entertaining, while dedicated bonus spaces provide flexibility for a home office, hobby room, or additional sleeping areas. The walk-out lower level is a standout feature—complete with its own kitchen, living space, and private entrance—making it perfect for guests, extended family, or potential rental income. Whether you’re looking for a dual-living setup or a potential Airbnb opportunity (due diligence is buyers responsibility), this home is already designed to accommodate it. Enjoy Montana’s four seasons with outdoor living spaces that offer privacy and tranquility, all while being within reach of town amenities. If you’ve been searching for a home that offers more than just square footage—one that provides lifestyle, versatility, and opportunity—this is it. The upper level is a sumptuous primary suite with jetted, oversized bath and walk-in, tile shower. An incredibly organized walk-in closet with a laundry drop is ready for your wardrobe. Windows line the wall above the bed and a TV mount is above the door. Off of the bedroom is a large office/work-out room/music room, ready to become your creation space, with a separate stairway to the main level. The lower lever, has a kitchen of its own, and would make a lovely separate living area for family with a bedroom, bathroom, dining area and living area with a walk-out entrance to the back yard. All of this in a lovely neighborhood just west of Thompson Falls with walking trails to the Rimrock for dining overlooking the Clark Fork River and to the trails along the river between the state campground and the power park. The scenery is spectacular and an active lifestyle is a breeze. Welcome to a slower pace. Welcome home to Montana.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

4/10
Thompson Falls 7-8Grades 7-81.5 mi
4/10

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Poured
  • Construction materials: Cedar,Cement Siding,Wood Frame

Other

  • Builder name: Chambers Construction

Type & Style

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

Interior

Appliances

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

Basement

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

Bedrooms & Bathrooms

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

Features

  • Fireplace,Open Floorplan,Home Theater,Vaulted Ceiling(s),Wired for Data,Walk-In Closet(s),Wired for Sound,Central Vacuum
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,093

Heating & Cooling

  • Heating features: Ductless,Hot Water,Propane,Radiant,Zoned
  • Cooling features: Ductless

Interior Area

  • Total interior livable area: 3,197 sqft

Property

Details

  • Parcel number: 35309106302130000
  • Zoning: Single-Family
  • Zoning description: Residential A
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Patio & porch: Covered,Deck,Front Porch
  • Exterior features: Rain Gutters
  • Has view: Yes
  • View description: Mountain(s),Residential,Trees/Woods
  • Topography of land: Varied

Lot

  • Lot size: 9,844 sqft
  • Features: Gentle Sloping,Sprinklers In Ground

Parking

  • Total spaces: 2
  • Parking features: Additional Parking
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
    Inland FloodingVery High
  • Ice Storm
    Ice StormVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Winter Weather
Cold Wave
Landslide
Wildfire
Heat Wave
Lightning

FEMA Declared Disasters in Sanders 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 $3,413$40,956
Home Insurance $198$2,376
Property Taxes $337$4,044
Electricity $219$2,634
Total$4,167$50,004

Income You'd Need if You Spent...

35% on housing$142,868/yr
40% on housing$125,010/yr
45% on housing$111,120/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: 12.4%
12.4%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$211This listing

vs Other Active Listings

Avg $/sqft

ZIP 59873$197
Sanders County$273

vs Homes Sold Last Month

Median $/sqft

ZIP 59873
Sanders County$215

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
2026-05-03Listed for rent$3,500
2026-04-28Price change$685,000
2025-11-29Listed for sale$649,000
2025-11-28Listing removed$675,000
2025-09-24Price change$675,000
2025-07-23Price change$695,000
2025-06-23Price change$745,000
2025-05-28Listed for sale$755,000
2022-06-17Sold--
2022-04-28Contingent$675,000
2022-04-25Listed for sale$675,000
2016-12-06Sold--
2016-10-17Listed for sale$299,900
2013-01-31Sold--
2012-06-27Sold--

For Sale by Agent

AgentTina M Daugherty
BrokerageRealty Northwest

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