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4964 Us Highway 93 S, Eureka, MT, 59917

5beds
3baths
3,000sqft
$635,900
$212price/sqft
$3,916/moest. monthly cost
$156,640/yrincome needed

About This Home

Discover true Montana living at 4964 Highway 93 S in Eureka. This 3,000 sq. ft. lakefront home offers 5 bedrooms (2 non-conforming) and 3 bathrooms, giving you space to welcome family and friends. Set on 4 landscaped acres with Bass Lake frontage, you’ll enjoy a private dock for fishing, paddling, or simply soaking in the peace of the water. The property invites you into a lifestyle surrounded by nature, with regular visits from moose, bears, and swans. A 2-car garage adds convenience, and with no covenants, you’ll have the freedom to make this property your own. If you’re ready to make Northwest Montana home, this is a rare opportunity to enjoy space, water, and wildlife all in one place.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

6/10
Eureka Middle School 5-8Grades 5-85.9 mi
2/10
Lincoln Co High SchoolGrades 9-126.0 mi
5/10
Eureka Elementary SchoolGrades PK-46.0 mi

Construction

Condition

  • Year built: 1974

Materials

  • Foundation: Poured
  • Roof: Metal
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Daylight,Full

Bathroom1

  • Level: Main

Bathroom2

  • Level: Basement

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Basement

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Level: Basement

Features

  • Fireplace,Main Level Primary
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 1,500

Heating & Cooling

  • Heating features: Baseboard,Ductless,Electric,Wood Stove
  • Cooling features: Ductless

Interior Area

  • Total interior livable area: 3,000 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Basement

Living Room

  • Level: Main

Primary Bathroom

  • Level: Main

Primary Bedroom

  • Level: Main

Utility Room

  • Level: Basement

Property

Details

  • Parcel number: 56471704202160000
  • Zoning: None
  • Special condition: Standard
  • Other equipment: Satellite Dish

Features

  • Levels: Two
  • Patio & porch: Deck,Patio
  • Exterior features: Dock
  • Has view: Yes
  • View description: Lake,Residential,Trees/Woods
  • Has water view: Yes
  • Water view: true
  • On waterfront: Yes
  • Waterfront features: Lake,Navigable Water,Waterfront
  • Waterbody name: Bass Lake
  • Topography of land: Level,Rolling
  • Horses can be raised: Yes

Lot

  • Lot size: 4.07 Acres
  • Features: Corners Marked,Gentle Sloping,Landscaped,Views,Level,Rolling Slope

Parking

  • Total spaces: 3
  • Parking features: Additional Parking,Garage,Garage Door Opener,Shared Driveway
  • 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

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

How This Home’s Risks Compare

Wildfire
Winter Weather
Cold Wave
Inland Flooding
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 $3,215$38,580
Home Insurance $349$4,188
Property Taxes $147$1,764
Electricity $205$2,471
Total$3,916$46,992

Income You'd Need if You Spent...

35% on housing$134,262/yr
40% on housing$117,480/yr
45% on housing$104,426/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

$212This listing

vs Other Active Listings

Avg $/sqft

ZIP 59917$338
Lincoln County$285

vs Homes Sold Last Month

Median $/sqft

ZIP 59917
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
2026-04-23Price change$649,995
2025-11-05Price change$680,000
2025-06-05Price change$695,000
2025-01-10Listed for sale$699,999
2014-08-15Sold--

For Sale by Agent

AgentCharity Waldo
BrokerageEngel & Völkers Western Frontier - Eureka

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