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605 Lower Cottonwood Creek Rd, Lewistown, MT, 59457

4beds
3baths
3,532sqft
$1,575,000
$446price/sqft
$9,265/moest. monthly cost
$370,600/yrincome needed

About This Home

Experience the best of Montana living with this EXCEPTIONAL COUNTRY PROPERTY just 4 miles from town--offering both privacy and convenience. Built with solid post-and-beam construction, this 3,532 sq ft home showcases an open floor plan with soaring spaces, natural light, and a warm, inviting feel throughout. Featuring 4 bedrooms and 3 bathrooms, there's plenty of room for comfortable living and entertaining. Take in breathtaking mountain views in every direction from this expansive 43+ acre parcel. The land includes a spring-fed pond set within a grazing pasture, making it an ideal setup for horses. Designed with both durability and low maintenance in mind, the home is finished with Hardiplank siding and 50-year Malarkey shingles, also carried through to the detached 28' x 30' garage/shop. Additional highlights include a heated 3-car attached garage, underground sprinkler system, and wide-open space free of HOA restrictions or covenants. Whether you're looking for a horse property, a private retreat, or a place to enjoy the outdoors, this property offers unmatched versatility and Montana charm.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

--
King Colony SchoolGrades PK-84.4 mi
3/10
Fergus High SchoolGrades 9-125.9 mi

Construction

Condition

  • Year built: 2004

Materials

  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Residential

Interior

Appliances

  • Laundry features: Main Level

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Hardwood

Heating & Cooling

  • Heating features: Natural Gas,Hot Water
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,532
  • Total interior livable area: 3,532 sqft

Property

Details

  • Parcel number: 08246615104010000

Features

  • Patio & porch: Covered
  • Fencing: Partial

Lot

  • Lot size: 43.76 Acres
  • Lot size dimensions: 43.76 acres

Parking

  • Parking features: Garage - Attached
  • Has garage: Yes

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
  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Wildfire
    WildfireRelatively High
  • Drought
    DroughtModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Winter Weather
Hail
Wildfire
Drought
Landslide
Strong Wind
Tornado

FEMA Declared Disasters in Fergus 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 $7,964$95,568
Home Insurance $344$4,128
Property Taxes $715$8,580
Electricity $242$2,910
Total$9,265$111,180

Income You'd Need if You Spent...

35% on housing$317,657/yr
40% on housing$277,950/yr
45% on housing$247,066/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: 7.3%
7.3%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.4%
0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$446This listing

vs Other Active Listings

Avg $/sqft

ZIP 59457$250
Fergus County$310

vs Homes Sold Last Month

Median $/sqft

ZIP 59457
Fergus County$435

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
2026-04-30Listed for sale$1,575,000
2025-12-12Listing removed$1,575,000
2025-08-13Listed for sale$1,575,000

For Sale by Agent

AgentMike Pallett
BrokerageHigh Country Realty Montana

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