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5445 Us Highway 93 W, Whitefish, MT, 59937

4beds
4baths
4,325sqft
$1,849,000
$428price/sqft
$10,525/moest. monthly cost
$421,000/yrincome needed

About This Home

This is what it looks like when a property has it all. A 4-bed, 4-bath main home (3,519 sq ft), a separate (806 sq ft) 2-bedroom apartment above a double garage, a ground-level flex/hobby room, a 30x70 shop, horse-ready cross-fenced acreage, and an RV hookup, all on 7.52 private acres just minutes from downtown Whitefish. That's two full residences, a shop, and a bonus room before you even walk through the front door. The main house is built for real life. Vaulted ceilings with exposed beams, an open kitchen with granite counters, custom cabinetry, a wine cooler, and French doors spilling out to a covered porch. Two bedrooms and a full bath sit on the main level alongside a laundry room and office. The primary suite has its own entrance, private deck, walk-in tiled shower, jacuzzi tub, and dual sinks. Upstairs adds a full bath and a large fourth bedroom ensuite! The detached garage structure is its own ecosystem. Above it sits a fully self-contained 2-bedroom apartment with a kitchen, living area, bath, and deck, ready for a tenant, a caretaker, visiting family, or a mortgage offset. Below it, the flex/hobby room handles the overflow as a studio, gym, workshop, or creative space. Outside, the acreage is set up for horses or hobby farming with a large front pasture, livestock gates, and mature trees creating natural privacy. Agricultural land borders two sides of the property, so the open feel isn't going anywhere. The 30x70 shop is fully operational with an insulated section, propane heat, wood stove, concrete floors, and 100-amp power. Underground sprinklers, central vacuum, paved driveway, and a productive well round the home out. Properties with this combination of usable land, dual living quarters, and functional outbuildings rarely come to market near Whitefish. This one checks every box without asking you to compromise on any of them.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

7/10
Whitefish Middle 5-8Grades 5-88.7 mi
8/10
Whitefish High SchoolGrades 9-129.1 mi
8/10
L A Muldown SchoolGrades PK-49.3 mi

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Poured

Type & Style

  • Home type: SingleFamily
  • Architectural style: Multi-Level,Tri-Level
  • Property subType: Multi Family,Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 2
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Central Vacuum
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0

Interior Area

  • Total interior livable area: 4,325 sqft

Property

Details

  • Parcel number: 07429111201050000
  • Special condition: Standard

Features

  • Exterior features: Fire Pit,Garden,Rain Gutters,Storage

Lot

  • Lot size: 7.52 Acres

Parking

  • Total spaces: 3
  • Parking features: Additional Parking
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 3
  • Carport: Yes
  • Carport spaces: 1

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

  • Avalanche
    AvalancheVery High
  • Cold Wave
    Cold WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Wildfire
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $9,349$112,188
Home Insurance $413$4,956
Property Taxes $467$5,604
Electricity $296$3,563
Total$10,525$126,300

Income You'd Need if You Spent...

35% on housing$360,857/yr
40% on housing$315,750/yr
45% on housing$280,666/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

$428This listing

vs Other Active Listings

Avg $/sqft

ZIP 59937$566
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
2026-04-16Listed for sale$1,895,000
2025-12-19Listing removed$1,970,000
2025-09-09Price change$1,970,000
2025-08-04Price change$1,994,950
2025-07-30Price change$1,995,950
2025-07-25Price change$1,996,950
2025-07-15Price change$1,997,950
2025-06-03Listed for sale$1,998,950
2022-06-30Sold--
2022-06-05Pending sale$1,945,000

For Sale by Agent

AgentCatlin Kaltschmidt
BrokerageRevel Real Estate, Inc

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