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911 Greers Ferry Rd, Libby, MT, 59923

5beds
3baths
3,011sqft
$498,000
$165price/sqft
$3,068/moest. monthly cost
$122,720/yrincome needed

About This Home

Step into your own private paradise with this meticulously updated 5-bedroom, 2.5-bath home offering over 3,000 sq ft of living space on a large, level lot in the heart of Montana’s recreation country near Lake Koocanusa and the Kootenai River. This move-in ready home blends charm, comfort, and thoughtful updates throughout. The brand-new eat-in kitchen with new appliances opens to a formal dining room and features a large custom pantry, making it perfect for both everyday living and entertaining. Natural light pours through the home’s vaulted ceilings, creating a bright and inviting atmosphere. Step through the new sliding glass door from the kitchen to an incredible backyard designed for relaxing and gathering. Enjoy two outdoor sitting areas, a bricked BBQ space, and a spacious yard surrounded by tall mature trees that provide privacy and a peaceful setting. The property also features an established organic garden and orchard with Rainier cherry, apple, pear, plum, crab apple, and pie cherry trees, plus lilacs lining one side of the property. Inside, the home offers two spacious living rooms with wood and propane fireplaces, creating cozy spaces to gather year-round. The primary suite features an updated bathroom with a custom walk-in tile rainfall shower and stylish lighting for a spa-like retreat. The main level provides accessible living with the primary bedroom, two additional bedrooms, and a beautifully remodeled full bathroom. The lower level adds exceptional flexibility with brand-new carpeting, two additional bedrooms, a living room, a convenient half bath, workout/gym space, walk-in laundry area, and two large storage rooms, plus a workshop area for hobbies or projects. Outside, the level yard stays lush with an in-ground sprinkler system maintained without pesticides. The property also includes an attached garage, large two-sided carport for extra vehicles and toys, and full RV hookup. Fiber optic internet is available at the property line, and the home is served by community water and a private septic system. Located near USFS access, this property is truly an outdoor enthusiast’s dream with nearby hunting, ATV riding, hiking, and mountain biking, and just minutes from world-class fishing and water recreation on the Kootenai River and Lake Koocanusa. A beautifully updated home in a peaceful setting—ready for you to enjoy the Montana lifestyle.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

7/10
Libby Elementary SchoolGrades PK-65.8 mi
4/10
Libby Middle SchoolGrades 7-85.8 mi
4/10
Libby High SchoolGrades 9-125.8 mi

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Poured
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full,Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • 3/4 bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Fireplace,Main Level Primary,Vaulted Ceiling(s)
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 1,482

Heating & Cooling

  • Heating features: Propane,Wood Stove,Wall Furnace
  • Cooling features: Wall Unit(s)

Interior Area

  • Total interior livable area: 3,011 sqft

Property

Details

  • Parcel number: 56417604106080000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Garden,RV Hookup,Storage,Propane Tank - Leased
  • Fencing: Partial
  • Has view: Yes
  • View description: Mountain(s),Valley,Trees/Woods
  • Topography of land: Level

Lot

  • Lot size: 0.75 Acres
  • Features: Back Yard,Front Yard,Garden,Views,Level

Parking

  • Total spaces: 4
  • Parking features: Garage - Attached,Carport
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • 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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Avalanche
    AvalancheModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
Wildfire
Avalanche
Landslide
Lightning

FEMA Declared Disasters in Lincoln 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 $2,518$30,216
Home Insurance $201$2,412
Property Taxes $143$1,716
Electricity $206$2,481
Total$3,068$36,816

Income You'd Need if You Spent...

35% on housing$105,188/yr
40% on housing$92,040/yr
45% on housing$81,813/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: 12.1%
12.1%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 4.5%
4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$165This listing

vs Other Active Listings

Avg $/sqft

ZIP 59923$221
Lincoln County$286

vs Homes Sold Last Month

Median $/sqft

ZIP 59923
Lincoln County$281

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
2026-05-07Price change$525,000
2026-03-05Listed for sale$550,000
2025-10-01Listing removed$525,000
2025-08-25Price change$525,000
2025-07-26Price change$553,789
2025-07-02Listed for sale$599,000
2022-08-30Sold--
2022-07-29Pending sale$410,000
2022-07-26Price change$410,000
2022-07-07Price change$425,000
2022-06-28Price change$450,000
2022-06-21Price change$475,000
2022-05-24Listed for sale$499,000

For Sale by Agent

AgentJeannette Carr
BrokerageClearwater Montana Properties - Noxon

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