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471 Carpenter Ln, Eureka, MT, 59917

3beds
2baths
2,614sqft
$1,250,000
$478price/sqft
$7,520/moest. monthly cost
$300,800/yrincome needed

About This Home

Experience the ultimate in Montana lakefront living at this breathtaking, private retreat nestled on over an acre with end-of-the-road privacy. Gently sloping lawns lead to the shoreline of a quiet lake — perfect for paddle boarding, kayaking and fishing. Natural rock retaining walls, a custom firepit and stone steps blend seamlessly into the landscape, creating an inviting and timeless outdoor setting. Enjoy panoramic mountain and lake views from the expansive, covered wrap-around deck and protected screened sitting areas. Towering custom beam work and floor-to-ceiling windows bring the outdoors in, flooding the home with natural light and highlighting its rustic Montana craftsmanship. The main level features a stone fireplace, custom kitchen and spacious living and dining areas designed for entertaining. Downstairs, a separate family room opens to a covered patio and includes an oversized guest bedroom, 3/4 bath and massive storage space for lake toys and gear. The well-appointed laundry room adds convenience after days on the water. Located just minutes from Sophie Lake, Lake Koocanusa and area golf courses, this property offers endless recreation and timeless appeal. Whether cozying up by the fire on snowy evenings or jumping in the lake on hot summer days, this is a place where lifelong memories are made.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

5/10
Eureka Elementary SchoolGrades PK-45.2 mi
6/10
Eureka Middle School 5-8Grades 5-85.3 mi
2/10
Lincoln Co High SchoolGrades 9-125.2 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1989

Materials

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

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Features

  • Fireplace,Open Floorplan,Vaulted Ceiling(s)
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,307

Heating & Cooling

  • Heating features: Electric,Forced Air,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,614 sqft

Property

Details

  • Parcel number: 56492828101250000
  • Zoning: None
  • Special condition: Standard
  • Other equipment: Other

Features

  • Levels: Two
  • Patio & porch: Covered,Deck,Porch,Wrap Around
  • Exterior features: Fire Pit,Rain Gutters
  • Has view: Yes
  • View description: Lake,Meadow,Mountain(s),Trees/Woods
  • Has water view: Yes
  • Water view: true
  • On waterfront: Yes
  • Waterfront features: Lake,Navigable Water,Waterfront
  • Waterbody name: Tetrault Lake
  • Topography of land: Level,Sloping,Varied

Lot

  • Lot size: 0.99 Acres
  • Features: Back Yard,Cul-De-Sac,Front Yard,Gentle Sloping,Landscaped,Meadow,Secluded,Views,Wooded,Level

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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Wildfire
    WildfireRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Wildfire
Inland Flooding
Lightning

FEMA Declared Disasters in Lincoln 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 $6,320$75,840
Home Insurance $686$8,232
Property Taxes $335$4,020
Electricity $179$2,153
Total$7,520$90,240

Income You'd Need if You Spent...

35% on housing$257,828/yr
40% on housing$225,600/yr
45% on housing$200,533/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: 12.1%
12.1%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 4.5%
4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$478This listing

vs Other Active Listings

Avg $/sqft

ZIP 59917$325
Lincoln County$280

vs Homes Sold Last Month

Median $/sqft

ZIP 59917
Lincoln County$281

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
2025-10-16Listed for sale$1,395,000

For Sale by Agent

AgentGretchen Lancaster
BrokerageLancaster and Company, Premier Properties

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