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441/443 Karrow Ave, Whitefish, MT, 59937

6beds
6baths
3,424sqft
$1,699,000
$496price/sqft
$9,969/moest. monthly cost
$398,760/yrincome needed

About This Home

Investment opportunity to own both sides of a townhome duplex with NO HOA in one of Whitefish’s most desirable locations near Whitefish Lake Golf Club, walking paths to downtown and less than a 15 minute drive to Whitefish Mtn Resort. 3,424 of combined living space between the 2 units. Both units currently rented out. Each unit includes 3 bedrooms and 2.5 bathrooms. 441 Karrow was completely remodeled in 2024, no surface left untouched with all new appliances, plumbing fixtures and Norwegian style Jotul Fireplace. 443 Karrow updates, include freshly painted walls and cabinets. Both units have newly installed mini-split AC units, radiant heated first floor, fireplace on first level, enclosed fenced yards, primary bedroom balcony with views of Whitefish Mtn Resort, single car garage and covered patio off living room. See Supplemental Remarks for a full description of each individual unit. Furniture was for photo staging only. 441 Karrow Description: Enjoy 1712 sf in this newly remodeled 3Bed/2.5 bath townhome. The kitchen features a cozy window seat with storage and golf course views from the sink. The open living and dining area is complete with modern gas fireplace and radiant heated floors. The primary suite has sitting area and balcony. Queen bed fits comfortably in bedroom 2 and bedroom 3 can be used as a home office. Recent upgrades include but are not limited to new flooring throughout, kitchen cabinets, fixtures and counters, window coverings, painting inside and out, lighting, 2 upper bathrooms are completely new as well as the addition of a split AC unit and enlarged covered back patio. Fenced yard, attached 1 car garage. New lighted city walking path puts you just minutes from downtown Whitefish and Whitefish Lake Golf Club. NO HOA! 443 Karrow Description: Enjoy easy low maintenance living in this refurbished 1712 sf, 3 Bed/2.5 Bath townhome. The kitchen has ample storage space in newly painted cabinets, pantry and large pass through to living/dining. The open living/dining area is complete with fireplace, radiant heated floors and slider to rear yard with covered patio. The oversized primary suite boasts a balcony with views of Ski Resort. Bedroom 2 has easily fits a queen bed, while Bedroom 3 can be used as an office. Dedicated laundry space is conveniently located upstairs. Home has been freshly painted inside and out and a new mini-split AC was recently installed. Fenced rear & side yard, attached 1 car garage with rear yard access man door complete this home. New lighted city walking path puts you just minutes from downtown Whitefish and Whitefish Lake Golf Club. NO HOA!

Getting Around

33
WalkingCar-Dependent
0
TransitVery Limited Transit
56
BikeBikeable

Schools

7/10
Whitefish Middle 5-8Grades 5-80.8 mi
8/10
Whitefish High SchoolGrades 9-121.1 mi
8/10
L A Muldown SchoolGrades PK-41.3 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2007

Materials

  • Foundation: Poured

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 6
  • Full bathrooms: 4
  • 1/2 bathrooms: 2

Features

  • Fireplace,Open Floorplan
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Ductless,Radiant
  • Cooling features: Ductless

Interior Area

  • Total interior livable area: 3,424 sqft

Property

Details

  • Parcel number: 07429236229185441
  • Zoning: Residential
  • Zoning description: WR-2
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Rear Porch,Covered,Patio,Porch,Balcony
  • Exterior features: Balcony
  • Fencing: Back Yard,Wood
  • Has view: Yes
  • View description: Golf Course,Ski Area
  • Topography of land: Level

Lot

  • Lot size: 9,975 sqft
  • Features: Back Yard,Landscaped,Secluded,Views,Level

Parking

  • Total spaces: 2
  • Parking features: Additional Parking,Garage,Garage Door Opener,Shared Driveway
  • 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 WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Winter Weather
Ice Storm
Lightning
Wildfire

FEMA Declared Disasters in Flathead 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 $8,591$103,092
Home Insurance $379$4,548
Property Taxes $764$9,168
Electricity $235$2,821
Total$9,969$119,628

Income You'd Need if You Spent...

35% on housing$341,794/yr
40% on housing$299,070/yr
45% on housing$265,840/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 5.6%
5.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$496This listing

vs Other Active Listings

Avg $/sqft

ZIP 59937$565
Flathead County$401

vs Homes Sold Last Month

Median $/sqft

ZIP 59937$482
Flathead County$363

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
2026-01-20Listed for sale$1,699,000
2025-09-01Listing removed$1,798,000
2025-07-16Price change$1,798,000
2025-06-18Listed for sale$1,950,000
2022-01-07Sold--
2021-12-16Contingent$1,160,000
2021-12-11Listed for sale$1,160,000

For Sale by Agent

AgentJodi Ann Thew
BrokerageSilverbrook Realty

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