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38491 Kerr Dam Rd, Polson, MT, 59860

4beds
4baths
3,200sqft
$799,999
$250price/sqft
$5,088/moest. monthly cost
$203,520/yrincome needed

About This Home

Just a few miles into Polson, this 4 bedroom 4 bath beauty has been recently updated with new decks, new flooring, paint, and completely remodeled baths. Exquisite views to the lake, mountains, or valleys. The home was an original smart build, with in floor radiant hot water heat throughout, including the double attached garage. Decks and patios, both levels, front and back provide perfect relaxation, any time of day or night. The kitchen is right off the garage, oak cabinets, tile floors, and tiled countertops, double ovens, a center isle w propane range top, and is open to the living room, which centers around a 2 sided floor-to-ceiling artfully rocked propane fireplace. This separation of the great room offers unique versatility; office or is an ideal parlor/ conversation room. Both the kitchen and the versatile parlor open into a formal dining room. The windows from here take in distant lake and mountain views. The great room and kitchen open onto the newly added back trex-deck, offering a spacious out door living space, and there is nice privacy! Up, the primary en-suite bath is a masterpiece, tastefully tiled, with a soaking tub and separate shower, double vanities a lots of granite and quartz. Both great room, and primary bedroom have new glass sliding doors onto the new upper deck. From here, are dramatic valley views looking south. Down stairs is an immediate large laundry utility room, and a walk out daylight entertainment room,w a deck covered patio. 2 bedrooms at grade, 2 baths, a mechanical room, and a bonus room/ where exercise equipment can stay upon sale! The location is convenient to either Polson or Ronan via Back Rd. The 2.2AC lawn allows for horses, and is partially fenced. The 25 gpm well is shared with adjacent neighbor, the area is incredibly pastoral and quiet. The home offers separate living spaces to accommodate two families! It's a gem!

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

6/10
Polson Middle SchoolGrades 5-81.8 mi
5/10
Polson High SchoolGrades 9-121.8 mi
--
Cherry Valley SchoolGrades PK-12.3 mi

Construction

Condition

  • Year built: 1996

Materials

  • Foundation: Poured
  • Roof: Asphalt,Composition
  • Construction materials: Batts Insulation,Blown-In Insulation,Cement Siding,Wood Frame

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Daylight,Full,Finished,Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Hot Tub/Spa,Main Level Primary,Vaulted Ceiling(s),Walk-In Closet(s),Wired for Sound
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,600

Heating & Cooling

  • Heating features: Hot Water,Propane,Radiant Floor,Stove,Zoned
  • Cooling features: Window Unit(s)

Interior Area

  • Total interior livable area: 3,200 sqft

Property

Details

  • Parcel number: 15322820201100000
  • Zoning: Residential
  • Zoning description: RR Improved property
  • Special condition: Standard
  • Exclusions: Upright Freezer and upright refrigerator in Basement laundry room

Features

  • Levels: Two
  • Stories: 1
  • Patio & porch: Awning(s),Patio,See Remarks
  • Exterior features: Hot Tub/Spa,See Remarks,Propane Tank - Leased
  • Has spa: Yes
  • Spa features: Hot Tub
  • Has view: Yes
  • View description: City,Lake,Mountain(s),Valley
  • Has water view: Yes
  • Water view: true
  • Horses can be raised: Yes

Lot

  • Lot size: 2.23 Acres
  • Features: Back Yard,Corners Marked,Front Yard,Gentle Sloping,Landscaped,Meadow,Sprinklers In Ground,See Remarks,Views

Parking

  • Total spaces: 2
  • Parking features: Additional Parking
  • 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
  • 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 $4,045$48,540
Home Insurance $571$6,852
Property Taxes $253$3,036
Electricity $219$2,636
Total$5,088$61,056

Income You'd Need if You Spent...

35% on housing$174,445/yr
40% on housing$152,640/yr
45% on housing$135,680/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

$250This listing

vs Other Active Listings

Avg $/sqft

ZIP 59860$415
Lake County$406

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)

Price History

DateEventPrice
2026-05-04Listed for sale$799,999

For Sale by Agent

AgentWilma P Mixon-Hall
BrokerageSavoir Faire Properties

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