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895 W Cow Creek Rd, Hamilton, MT, 59840

7beds
6baths
4,012sqft
$1,399,000
$349price/sqft
$8,198/moest. monthly cost
$327,920/yrincome needed

About This Home

If you're dreaming of being tucked away in the Bitterroot Mountains, this home is beautifully positioned right in the foothills, with a view of Sheafman Creek Canyon and the Sapphire Mountains. The Bitterroots are a hiker's paradise, and this home is only minutes from hiking trails and forest service in the 240 hunting district. While you feel like you're away from it all, you're really only about 15 minutes from downtown Hamilton, where you'll find local shopping, entertainment and eateries. The main house offers a great room with tall ceilings and a wood-burning rock fireplace, a formal dining room just off the kitchen, three full bathrooms each with Jacuzzi tubs, and five bedrooms—the second floor primary suite features private bathroom, attached office, and private balcony overlooking the backyard showcasing the Bitterroots. The insulated and heated 3-car garage offers ample space for parking and storage. The large workshop with two extra garage spaces and spacious two-bedroom, two-bathroom apartment provides more space for projects, storage and convenient housing for guests or producing extra income. Situated on 5.55 fenced acres and tastefully landscaped, there are seasonal ditches, two fenced gardens, and a large greenhouse, making self-sufficiency more convenient. The storage sheds could easily be converted back to raising chickens and other farm animals. Combining privacy, functionality, and natural beauty, this property is a rare opportunity to own your piece of the Bitterroot lifestyle.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

6/10
Edna Thomas SchoolGrades 5-65.0 mi
8/10
Corvallis 7-8Grades 7-85.0 mi
7/10
Corvallis High SchoolGrades 9-125.0 mi

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Poured

Type & Style

  • Home type: SingleFamily
  • Architectural style: Multi-Level,Tri-Level
  • Property subType: Multi Family,Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Features

  • Additional Living Quarters
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air,Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 4,012 sqft

Property

Details

  • Parcel number: 13156433101110000
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Covered,Deck,Patio,Balcony
  • Exterior features: Balcony,Garden,Storage
  • Fencing: Back Yard,Perimeter
  • Topography of land: Varied
  • Horses can be raised: Yes

Lot

  • Lot size: 5.55 Acres
  • Features: Back Yard,Front Yard,Garden,Landscaped,Sprinklers In Ground

Parking

  • Total spaces: 5
  • Parking features: Additional Parking,Circular Driveway
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 5
  • 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
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Avalanche
    AvalancheModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Wildfire
Cold Wave
Lightning
Winter Weather
Avalanche
Ice Storm
Landslide

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 $7,074$84,888
Home Insurance $389$4,668
Property Taxes $460$5,520
Electricity $275$3,305
Total$8,198$98,376

Income You'd Need if You Spent...

35% on housing$281,074/yr
40% on housing$245,940/yr
45% on housing$218,613/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

$349This listing

vs Other Active Listings

Avg $/sqft

ZIP 59840$322
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
2026-04-01Price change$1,699,000
2025-10-17Listed for sale$1,750,000
2019-11-26Sold--
2019-09-26Pending sale$625,000
2019-09-19Price change$950,000
2019-09-07Pending sale$625,000
2019-08-01Price change$950,000
2019-07-02Price change$625,000
2019-04-28Listed for sale$950,000

For Sale by Agent

AgentKelly Whitmoyer
BrokerageGlacier Sotheby's International Realty Hamilton

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