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4425 W Willow Creek Rd, Lincoln, MT, 59639

3beds
3baths
2,820sqft
$1,300,000
$461price/sqft
$7,732/moest. monthly cost
$309,280/yrincome needed

About This Home

Mossy Antler Ranch offers an exceptional outdoor lifestyle with a range of features designed for hunters, outdoor enthusiasts, and those seeking a peaceful retreat. The ranch is adjacent to over 7,000 acres of Block Management, providing extensive hunting and recreation opportunities. The property includes cross-fenced pastures, corrals, hitching rails, and 20.5 acres suitable for livestock or equestrian pursuits. For storage and operational needs, there are two post-frame buildings measuring 24' x 49' and 24' x 36', ideal for equipment or open-air animal shelters. The picturesque main home is a 3-bedroom, 3-bath residence spanning approximately 2,580 sq ft (buyer to verify). It features durable Diamond Kote siding resistant to rot, decay, insects, and hail, ensuring longevity. The heating system combines a FIRE CHIEF wood-burning stove for cozy warmth and a propane furnace. The kitchen boasts elegant quartz countertops, and the home includes a spacious front covered deck and a charming back balcony overlooking the pastures and mountain views. Additionally, there's a separate 600 sq ft guest house perfect for visitors or extra accommodations.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
Lincoln Elementary SchoolGrades PK-63.3 mi
--
Lincoln 7-8Grades 7-83.3 mi
4/10
Lincoln High SchoolGrades 9-123.3 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Poured

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Daylight,Full,Finished,Walk-Up Access,Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,410

Interior Area

  • Total interior livable area: 2,820 sqft

Property

Details

  • Parcel number: 05233628301100000
  • Zoning: Residential
  • Zoning description: County
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 1
  • On waterfront: Yes
  • Waterfront features: Creek,Pond,Waterfront
  • Waterbody name: Willow Creek
  • Horses can be raised: Yes

Lot

  • Lot size: 20.50 Acres

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
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Inland Flooding
Wildfire
Earthquake
Landslide
Lightning

FEMA Declared Disasters in Lewis and Clark County and Montana

Fire
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 $6,573$78,876
Home Insurance $567$6,804
Property Taxes $399$4,788
Electricity $193$2,323
Total$7,732$92,784

Income You'd Need if You Spent...

35% on housing$265,097/yr
40% on housing$231,960/yr
45% on housing$206,186/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: 11.1%
11.1%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 4.6%
4.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$461This listing

vs Other Active Listings

Avg $/sqft

ZIP 59639$157
Lewis and Clark County$216

vs Homes Sold Last Month

Median $/sqft

ZIP 59639$293
Lewis and Clark County$267

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
2026-04-16Listed for sale$1,300,000
2025-09-16Listing removed$1,500,000
2025-04-01Listed for sale$1,500,000
2024-09-30Listing removed$1,600,000
2024-08-09Listed for sale$1,600,000

For Sale by Agent

AgentBrenda Stark
BrokerageKeller Williams Capital Realty

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