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3410 Ray Mountain Rd, Darby, MT, 59829

3beds
2baths
1,453sqft
$525,000
$361price/sqft
$3,104/moest. monthly cost
$124,160/yrincome needed

About This Home

Thoughtfully updated and move-in ready, this home has been recently remodeled to create a cozy rustic mountain retreat with timeless style and modern convenience. Extensive upgrades include a fully remodeled kitchen featuring stainless steel appliances, a stainless steel sink, a motion-sensor faucet, and durable laminate flooring, along with two tastefully updated bathrooms with new vanities, lighting, and added storage. Additional improvements include stylish barn-door-style closet doors in the primary bedroom, a rustic solid-wood front door, keyless-coded entry with surveillance camera, updated motion-sensor exterior lighting, a NEW furnace, and low-maintenance Trex front deck. Outside, three large trees were removed to enhance the stunning mountain views while improving defensible space. Every improvement was carefully chosen to create a warm, inviting atmosphere that feels both comfortable and timeless. Take a short drive to the newly added shops and restaurants and all that the rejuvenated town of Darby has to offer. Endless recreational possibilities can be found in our beautiful Bitterroot and Sapphire Ranges; just a short hike or drive away.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

4/10
Darby SchoolGrades PK-60.8 mi
--
Darby 7-8Grades 7-80.8 mi
1/10
Darby High SchoolGrades 9-120.8 mi

Construction

Condition

  • Property condition: Updated/Remodeled,See Remarks
  • Year built: 1994

Materials

  • Foundation: Poured
  • Roof: Metal
  • Construction materials: Masonite

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: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Open Floorplan,Vaulted Ceiling(s)
  • Finished area below ground: 0

Heating

  • Heating features: Forced Air,Wood Stove

Interior Area

  • Total interior livable area: 1,453 sqft

Property

Details

  • Parcel number: 13117610301700000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Propane Tank - Leased
  • Fencing: None
  • Has view: Yes
  • View description: Mountain(s),Trees/Woods
  • Topography of land: Sloping

Lot

  • Lot size: 4.05 Acres
  • Features: Landscaped,Views,Wooded

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

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

How This Home’s Risks Compare

Wildfire
Cold Wave
Winter Weather
Avalanche
Inland Flooding
Landslide
Lightning

FEMA Declared Disasters in Ravalli 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 $2,654$31,848
Home Insurance $174$2,088
Property Taxes $125$1,500
Electricity $151$1,812
Total$3,104$37,248

Income You'd Need if You Spent...

35% on housing$106,422/yr
40% on housing$93,120/yr
45% on housing$82,773/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: 13.4%
13.4%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$361This listing

vs Other Active Listings

Avg $/sqft

ZIP 59829$358
Ravalli County$332

vs Homes Sold Last Month

Median $/sqft

ZIP 59829
Ravalli County$296

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
2026-07-15Price change$525,000
2026-06-08Listed for sale$550,000
2020-08-24Sold--
2020-07-01Pending sale$315,000
2020-06-09Price change$315,000
2020-05-29Listed for sale$330,000
2016-03-10Sold--

For Sale by Agent

AgentSusan Mary Jensen
BrokerageAlpine Realty, Inc.

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