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4085 Sunset Ridge Dr, Helena, MT, 59602

4beds
4baths
3,567sqft
$950,000
$266price/sqft
$5,749/moest. monthly cost
$229,960/yrincome needed

About This Home

Enjoy spectacular views of Canyon Ferry Lake from this custom-built log home in the desirable Canyon Ferry Crossing Subdivision. Offered fully furnished, this exceptional home is designed for convenient main-level living, featuring the Great Room, kitchen, primary suite, full bathroom, and laundry room all on the main floor. The spacious Great Room showcases expansive windows that perfectly frame the lake and a stunning floor-to-ceiling gas fireplace, creating a warm and inviting gathering space. Upstairs, the open loft overlooks the Great Room below and provides the perfect space for a home office, reading nook, or sitting area while taking in the incredible lake views. Two additional bedrooms and a 3/4 bathroom complete the upper level. The walkout lower level is ideal for guests or entertaining, offering a spacious family room with a kitchenette featuring a refrigerator and sink, a fourth bedroom, and another 3/4l bathroom. In-floor radiant heat provides efficient, comfortable warmth throughout the home (not in the utility room). An oversized two-car garage includes a dedicated workshop area, offering plenty of space for storage, hobbies, or projects. With paved roads all the way from Helena, this beautifully crafted log home combines rustic elegance, modern comfort, and breathtaking lake views, making it the perfect year round residence or mountain retreat.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

--
Eastgate SchoolGrades PK-K10.8 mi
7/10
East Valley Middle SchoolGrades 6-811.5 mi
--
East Helena High SchoolGrades 9-1211.7 mi

Construction

Condition

  • Year built: 2007

Materials

  • Roof: Asphalt
  • Construction materials: Log

Type & Style

  • Home type: SingleFamily
  • Architectural style: Custom
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Microwave,Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Bathroom,Bedroom,Rec/Family Area,Walk-Out Access

Bedroom

  • Level: Main

Bedroom

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Fireplace,Walk-In Closet(s),Window Treatments
  • Window features: Window Coverings
  • Flooring: Hardwood,Partially Carpeted,Tile
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area above ground: 2,082

Garage

  • Level: Main

Heating & Cooling

  • Heating features: Propane,Radiant Floor
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,567
  • Total interior livable area: 3,567 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Loft

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Main

Other

  • Level: Upper

Property

Details

  • Parcel number: 0000035968
  • Zoning description: None/Unknown
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Deck,Patio

Lot

  • Lot size: 3.01 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage
  • 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 WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Inland Flooding
Landslide
Wildfire
Lightning

FEMA Declared Disasters in Lewis and Clark County and Montana

Fire
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 $4,803$57,636
Home Insurance $342$4,104
Property Taxes $360$4,320
Electricity $244$2,939
Total$5,749$68,988

Income You'd Need if You Spent...

35% on housing$197,108/yr
40% on housing$172,470/yr
45% on housing$153,306/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: 11.1%
11.1%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 4.6%
4.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$266This listing

vs Other Active Listings

Avg $/sqft

ZIP 59602$242
Lewis and Clark County$217

vs Homes Sold Last Month

Median $/sqft

ZIP 59602$256
Lewis and Clark County$267

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
2026-08-12Price change$925,000
2026-06-26Listed for sale$950,000
2025-04-28Sold--
2025-03-23Contingent$899,000
2024-10-10Price change$899,000
2024-07-23Listed for sale$950,000

For Sale by Agent

AgentGina Ossello
BrokerageMcLeod Real Estate Group, LLC

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