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693 Cottonwood Rd, Hamilton, MT, 59840

3beds
2baths
2,600sqft
$1,399,999
$538price/sqft
$8,124/moest. monthly cost
$324,960/yrincome needed

About This Home

Thoughtfully designed and custom built, this exceptional 3-bedroom, 2-bathroom home offers approximately 2,600 +/- sqft of well-appointed living space on 5.72 acres at the base of the Bitterroot Mountains. The open-concept layout is enhanced by solid wood birch flooring, expansive windows that capture natural light and mountain views, and a striking wood-burning fireplace with rock surround in the main living area. The kitchen is both functional and elegant, featuring granite countertops, an eat-at counter, and seamless flow into the formal dining area ideal for everyday living or entertaining. The primary suite is privately situated on the south end of the home, complete with a walk-in closet and ensuite bathroom. Two additional bedrooms and a full bathroom are located on the north end, offering separation and flexibility. Outside you can enjoy the covered east-facing back patio, where surrounding trees create a peaceful and private setting. Designed for entertaining, the backyard includes a unique “Montana beach” space complete with a pergola. Additional highlights include a brand new 3 bay shop, perfect for storage, hobbies, workspace needs, or an RV. This property offers the ideal balance of rural tranquility and close proximity to amenities, making it a standout opportunity in the Bitterroot Valley.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2016

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Full bathrooms: 2

Property

Lot

  • Lot size: 5.72 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • 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
  • 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 $7,079$84,948
Home Insurance $389$4,668
Property Taxes $478$5,736
Electricity $178$2,142
Total$8,124$97,488

Income You'd Need if You Spent...

35% on housing$278,537/yr
40% on housing$243,720/yr
45% on housing$216,640/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

$538This listing

vs Other Active Listings

Avg $/sqft

ZIP 59840$316
Ravalli County$329

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

No price history available

For Sale by Agent

AgentNicole Jones
BrokerageEngel & Völkers Western Frontier - Stevensville

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