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1005 Main St, Polson, MT, 59860

4beds
2baths
1,904sqft
$250,000
$131price/sqft
$1,676/moest. monthly cost
$67,040/yrincome needed

About This Home

Welcome home! Spacious living with 4 bedrooms and 2 baths. The open concept living space has a living room/dining room combo as well as a 12x20 family room. The property is on a partially fenced corner lot, centrally located, just a few blocks from downtown, restaurants, medical, schools and beautiful FLATHEAD LAKE. Zoned COMMERCIAL AND RESIDENTIAL so explore the many options this property has to offer. During the summer you can sit in your front yard or on the back deck and listing to live music from the local Brewery. The roof was replaced in February 2025. Bring your creative touch and make this property uniquely yours. The possibilities are endless.

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

--
Cherry Valley SchoolGrades PK-10.2 mi
6/10
Polson Middle SchoolGrades 5-80.5 mi
5/10
Polson High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1994

Materials

  • Foundation: Poured

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Ranch
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Microwave,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area below ground: 0

Interior Area

  • Total interior livable area: 1,904 sqft

Property

Details

  • Parcel number: 15322809122010000
  • Zoning: Residential
  • Zoning description: CIDZ, LRZD
  • Special condition: Standard

Features

  • Stories: 1

Lot

  • Lot size: 6,969 sqft

Parking

  • Total spaces: 2
  • Parking features: Carport
  • Covered spaces: 2
  • 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

  • Cold Wave
    Cold WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Avalanche
    AvalancheModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Earthquake
Inland Flooding
Avalanche
Ice Storm
Landslide
Lightning
Wildfire

FEMA Declared Disasters in Lake 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 $1,264$15,168
Home Insurance $178$2,136
Property Taxes $83$996
Electricity $151$1,812
Total$1,676$20,112

Income You'd Need if You Spent...

35% on housing$57,462/yr
40% on housing$50,280/yr
45% on housing$44,693/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: 12.5%
12.5%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.0%
2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$131This listing

vs Other Active Listings

Avg $/sqft

ZIP 59860$420
Lake County$408

vs Homes Sold Last Month

Median $/sqft

ZIP 59860
Lake County$229

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
2026-01-25Price change$250,000
2025-08-28Price change$275,000
2025-08-02Listed for sale$301,730
2025-02-28Listing removed--
2025-02-25Listed for sale$270,000
2018-05-14Sold--
2018-01-28Price change$139,990
2017-08-31Listed for sale$149,990

For Sale by Agent

AgentJanet Marie Frederick
BrokeragePureWest Real Estate - Polson

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