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54 Torry Rd, Cameron, MT, 59720

7beds
4baths
3,244sqft
$1,795,000
$553price/sqft
$10,375/moest. monthly cost
$415,000/yrincome needed

About This Home

MADISON RIVER is just a stones throw away! Charming 3-bedroom, 2-bath log home comes with a fully furnished 4-bedroom guest cabin and private walking access to the legendary Madison River, perfect for some of the best wade fishing you'll find on the upper Madison. The property also borders Sheep Creek and sits on over 20 acres of gorgeous Montana landscape, with stunning mountain views from the front and side decks. The main house is warm and welcoming, featuring a spacious great room with vaulted ceilings, a beautiful rock fireplace, and an open kitchen and dining area with new Anderson sliding doors that lead out to the deck—ideal for relaxing or entertaining. On the main level, you'll find two bedrooms and a full bath, while upstairs includes the primary suite, an additional loft bedroom, and a cozy loft area. The 1,248 sqft guest cabin is powered by a solar system and split into two fully furnished units with a total of 7 beds and 2 kitchenettes, great for hosting family or renting out short- or long-term. There's also a large detached garage/shop with a utility room, plus two bonus rooms that can be used as offices, craft spaces, or extra guest rooms, each with their own bathroom. Outside, you'll find mature landscaping, a greenhouse, and fenced pastures with classic jack leg fencing. This is a rare opportunity to enjoy space, views, and direct river access all in one spot! Approximately 40 miles South of Ennis, located on the edge of the Lee Metcalf Wilderness area just down from Quake Lake and close to Cliff and Wade Lakes. Just miles from West Yellowstone, the western gate to Yellowstone National Park. Henry's Lake is a few miles down the road and Henry's Fork is ten miles further. This is a great property along with an amazing place to live!!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

7/10
Ennis SchoolGrades PK-638.7 mi
8/10
Ennis 7-8Grades 7-838.7 mi
8/10
Ennis High SchoolGrades 9-1238.7 mi

Construction

Condition

  • Year built: 1992

Materials

  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Range,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Fireplace
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 1,996

Heating & Cooling

  • Heating features: Baseboard,Propane,Solar,Wood
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 3,244
  • Total interior livable area: 3,244 sqft

Property

Details

  • Parcel number: 0027033330
  • Zoning description: None/Unknown
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Landscaping
  • Fencing: Log Fence,Split Rail
  • Has view: Yes
  • View description: Meadow,Mountain(s),Southern Exposure
  • On waterfront: Yes
  • Waterfront features: Creek,River Front

Lot

  • Lot size: 20 Acres
  • Features: Adjacent To Public Land,Landscaped

Parking

  • Total spaces: 2
  • Parking features: Detached,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

  • Avalanche
    AvalancheRelatively High
  • Cold Wave
    Cold WaveRelatively High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Avalanche
Cold Wave
Landslide
Lightning
Wildfire
Winter Weather
Earthquake
Hail
Inland Flooding

FEMA Declared Disasters in Madison 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 $9,076$108,912
Home Insurance $820$9,840
Property Taxes $257$3,084
Electricity $222$2,673
Total$10,375$124,500

Income You'd Need if You Spent...

35% on housing$355,714/yr
40% on housing$311,250/yr
45% on housing$276,666/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: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 4.4%
4.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$553This listing

vs Other Active Listings

Avg $/sqft

ZIP 59720$202
Madison County$734

vs Homes Sold Last Month

Median $/sqft

ZIP 59720
Madison County$320

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)

No zestimate history available

Price History

DateEventPrice
2026-05-05Listed for sale$1,795,000
2026-04-22Contingent$1,795,000
2024-04-28Listed for sale$1,795,000

For Sale by Agent

AgentBill Mercer
BrokerageRE/MAX Mountain Property

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