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146 Kyle Ln, Hamilton, MT, 59840

2beds
2baths
1,192sqft
$599,000
$503price/sqft
$3,417/moest. monthly cost
$136,680/yrincome needed

About This Home

Framed by mature pines and privately situated on 1.68 acres across 2 lots, this 2 bedroom, 1.5 bath home south of Hamilton delivers the space, privacy and outdoor access that define Bitterroot Valley life. Remodeled in 2020, the interior is a bright functional living space with a kitchen featuring all stainless steel appliances-opening into a generous living area filled with natural light from large windows. The two bedrooms enjoy large closets and share a lovely full bathroom, again full of light. New luxury vinyl flooring, updated light fixtures, and a newly added laundry mudroom with half bath round out a home that works as hard as you do. Step outside and the Bitterroot Mtns rise up around you-a backdrop that never gets old. The mature pines provide natural shade and genuine privacy while attracting abundant bird life year round. Elk, moose, and deer move through the property regularly, making this feel less like a yard and more like the edge of something wild. An oversized two car garage handles vehicles and still leaves room for kayaks, rafts, bikes, skis and every piece of gear the valley demands. The unfinished basement adds flexibility-finish it on your timeline or use it for storage and a workshop. The Bitterroot River is just across Hwy 93 and Hamilton is five minutes north. No HOA, two separate lots and low maintenance grounds complete the picture.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
55
BikeBikeable

Schools

5/10
Daly SchoolGrades K-42.0 mi
4/10
Hamilton Middle SchoolGrades 5-82.4 mi
8/10
Hamilton High SchoolGrades 9-123.0 mi

Construction

Condition

  • Property condition: Updated/Remodeled,See Remarks
  • Year built: 1955

Materials

  • Foundation: Poured
  • Roof: Metal

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0

Heating

  • Heating features: Forced Air,Gas

Interior Area

  • Total interior livable area: 1,192 sqft

Property

Details

  • Parcel number: 13136707201020000
  • Special condition: Standard

Features

  • Stories: 1
  • Patio & porch: Covered,Front Porch
  • Fencing: Back Yard,Partial
  • Has view: Yes
  • View description: Mountain(s),Creek/Stream
  • Has water view: Yes
  • Water view: true
  • Topography of land: Level

Lot

  • Lot size: 1.68 Acres
  • Features: Back Yard,See Remarks,Views,Level

Parking

  • Total spaces: 2
  • Parking features: 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
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Lightning
Wildfire
Ice Storm

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 $3,028$36,336
Home Insurance $166$1,992
Property Taxes $72$864
Electricity $151$1,812
Total$3,417$41,004

Income You'd Need if You Spent...

35% on housing$117,154/yr
40% on housing$102,510/yr
45% on housing$91,120/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

$503This listing

vs Other Active Listings

Avg $/sqft

ZIP 59840$324
Ravalli County$331

vs Homes Sold Last Month

Median $/sqft

ZIP 59840
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
2026-05-05Listed for sale$615,000
2018-11-10Listing removed$277,000
2018-05-11Listed for sale$277,000

For Sale by Agent

AgentCassie Johnson-Toth
BrokerageWestern Ranch Brokers LLC

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