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81 Steamboat Trl, Gallatin Gateway, MT, 59730

4beds
6baths
4,138sqft
$3,995,000
$965price/sqft
$22,870/moest. monthly cost
$914,800/yrincome needed

About This Home

81 Steamboat Trail offers a thoughtful balance of architectural character, privacy, and open views across the Gallatin River basin toward the Gallatin Range and Porcupine Creek drainage. The home is distinguished by its craftsmanship, featuring historic structural beams salvaged from a Salt Lake City bridge and assembled using traditional dowel construction. These beams frame large-format windows that flood the living spaces with natural light and orient the home toward the landscape. A substantial stone fireplace anchors the main living area, complemented by hardwood floors and well-proportioned gathering spaces. A wide spiral staircase within the stone turret leads to a quiet reading landing and upper living areas, adding architectural depth and a sense of retreat. Each bedroom includes an ensuite bath and generous closet space. Multiple outdoor living spaces extend from the primary suite, main living areas, and upper entertainment level—positioned for privacy and views. The upper entertainment room features a full wet bar and direct access to an exterior terrace, creating a natural extension of the living space well suited for hosting. The layout balances openness with defined rooms, allowing the home to live comfortably at scale. A substantial, purpose-built workshop is a standout feature. Thoughtfully separated from the main residence, it offers exceptional flexibility for professional use, specialized projects, or storage—an uncommon asset in a property of this quality. Located within Porcupine Park, the property borders protected open space within a designated elk corridor that will remain undeveloped, preserving privacy and a lasting sense of openness. Lone Peak High School is located within one mile of the home, while Big Sky’s world-class skiing and resort amenities are just 15 minutes away. Bozeman Yellowstone International Airport and Yellowstone National Park are each approximately one hour from the front doorstep, offering a rare combination of seclusion, access, and long-term livability.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

6/10
Ophir Elementary SchoolGrades PK-50.5 mi
6/10
Ophir 7-8Grades 6-80.5 mi
10/10
Lone Peak High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 2005

Materials

  • Roof: Asphalt,Shingle
  • Construction materials: Stone,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Range,Refrigerator,Washer,Some Gas Appliances,Stove

Bedrooms & Bathrooms

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

Features

  • Wet Bar,Fireplace,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Hardwood,Partially Carpeted,Tile
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area above ground: 4,138

Heating & Cooling

  • Heating features: Forced Air,Propane,Radiant Floor
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 4,138
  • Total interior livable area: 4,138 sqft

Property

Details

  • Parcel number: RLF44974
  • Zoning description: RCSF
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Mountain(s),River,Creek/Stream,Valley,Trees/Woods
  • Has water view: Yes
  • Water view: River,Creek/Stream

Lot

  • Lot size: 3.57 Acres

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Avalanche
    AvalancheRelatively High
  • Cold Wave
    Cold WaveRelatively High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Winter Weather
Avalanche
Cold Wave
Landslide
Lightning
Wildfire
Earthquake
Hail
Inland Flooding

FEMA Declared Disasters in Gallatin 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 $20,200$242,400
Home Insurance $701$8,412
Property Taxes $1,685$20,220
Electricity $284$3,409
Total$22,870$274,440

Income You'd Need if You Spent...

35% on housing$784,114/yr
40% on housing$686,100/yr
45% on housing$609,866/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: 14.5%
14.5%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 5.2%
5.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$965This listing

vs Other Active Listings

Avg $/sqft

ZIP 59730$801
Gallatin County$545

vs Homes Sold Last Month

Median $/sqft

ZIP 59730$550
Gallatin County$365

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
2026-03-04Price change$4,249,000
2025-12-23Listed for sale$4,750,000
2013-12-06Sold--
2013-03-13Sold--

For Sale by Agent

AgentStephen Drabek
BrokerageEngel & Volkers - Bozeman

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