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130-132 Stillwater Ln, Billings, MT, 59105

6beds
4baths
2,368sqft
$400,000
$169price/sqft
$2,611/moest. monthly cost
$104,440/yrincome needed

About This Home

Well-maintained ranch-style side-by-side duplex with proven rental history! Ideal for investors or owner-occupants seeking income potential. Situated on a large lot in a quiet Billings location including open space behind for added privacy and a peaceful setting. Recent improvements include newer roof, paint, flooring, and more. Attached garage, extra driveway parking, street parking, spacious patios, and generous backyard space add to overall appeal. Great opportunity to expand your investment portfolio or offset living expenses with rental income.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

5/10
Bench Elementary SchoolGrades PK-51.1 mi
6/10
4/10
Skyview High SchoolGrades 9-121.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1977

Materials

  • Roof: Asphalt
  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Architectural style: Ranch
  • Property subType: Duplex,Multi Family,Multi Family

Interior

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4

Features

  • Finished area above ground: 2,368

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: None

Interior Area

  • Total interior livable area: 2,368 sqft

Property

Details

  • Parcel number: C00419B
  • Attached to another structure: Yes
  • Zoning description: Mid-Century Neighborhood Residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Patio
  • Exterior features: Fence

Lot

  • Lot size: 0.30 Acres
  • Features: Interior Lot,Landscaped

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
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Lightning
Hail
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 $2,022$24,264
Home Insurance $250$3,000
Property Taxes $177$2,124
Electricity $162$1,951
Total$2,611$31,332

Income You'd Need if You Spent...

35% on housing$89,520/yr
40% on housing$78,330/yr
45% on housing$69,626/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

$169This listing

vs Other Active Listings

Avg $/sqft

ZIP 59105$163
Yellowstone County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 59105$173
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)

No zestimate history available

Price History

DateEventPrice
2026-05-14Listed for sale$400,000
2026-01-01Listing removed$425,000
2025-07-12Listed for sale$425,000

For Sale by Agent

AgentHeather Kavran
BrokerageReal Estate Hub LLLP

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