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6421 Southern Bluffs Ln, Billings, MT, 59106

5beds
3baths
2,564sqft
$475,000
$185price/sqft
$3,006/moest. monthly cost
$120,240/yrincome needed

About This Home

Lots of home for the money. You'll love this new townhome with a total of 5 bdrms, 3 baths, spacious living areas and bsmt family room. A very manageable yard, all fenced, landscaped with a covered patio in back. Quality finishes throughout. This is a must see at a great value.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

5/10
Boulder Elementary SchoolGrades PK-54.1 mi
5/10
Ben Steele Middle SchoolGrades 6-81.5 mi
5/10
Billings West High SchoolGrades 9-125.6 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Asphalt
  • Construction materials: Hardboard

Type & Style

  • Home type: Townhouse
  • Architectural style: Ranch
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Free-Standing Range,Microwave,Oven,Range
  • Laundry features: Washer Hookup,Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Features: Recessed Lighting,Walk-In Closet(s)
  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Basement

Bedroom

  • Level: Basement

Bedroom

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: Main

Features

  • Finished area above ground: 1,282

Heating & Cooling

  • Heating features: Other
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,564 sqft

Property

Details

  • Parcel number: A35157
  • Zoning description: Mixed Residential 2

Features

  • Levels: Two
  • Stories: 1
  • Patio & porch: Deck,Patio
  • Exterior features: Fence,Sprinkler/Irrigation,Patio,Storage
  • Fencing: Fenced

Lot

  • Lot size: 0.28 Acres
  • Features: Interior Lot,Landscaped,Level,Sprinklers In Ground

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener
  • 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

  • Cold Wave
    Cold WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Lightning
Wildfire
Hail
Inland Flooding
Strong Wind

FEMA Declared Disasters in Yellowstone 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 $2,401$28,812
Home Insurance $226$2,712
Property Taxes $203$2,436
Electricity $176$2,112
Total$3,006$36,072

Income You'd Need if You Spent...

35% on housing$103,062/yr
40% on housing$90,180/yr
45% on housing$80,160/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: 11.3%
11.3%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$185This listing

vs Other Active Listings

Avg $/sqft

ZIP 59106$238
Yellowstone County$220

vs Homes Sold Last Month

Median $/sqft

ZIP 59106$219
Yellowstone County$194

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
2026-02-18Listed for sale$475,000

New Construction

AgentDeb Parker
BrokerageParker & Co.

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