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3103 Central Ave W, Great Falls, MT, 59404

5beds
3baths
2,276sqft
$459,900
$202price/sqft
$2,854/moest. monthly cost
$114,160/yrincome needed

About This Home

Welcome to Central Ave Country Estate, where country living meets city convenience. Nestled among mature trees on an expansive lot just minutes from Great Falls, this versatile property offers 5 bedrooms, 3 bathrooms, multiple living areas, and flexible spaces ideal for a home office, library, nursery, hobby room, or additional living space. The bright galley kitchen is filled with natural light and overlooks the surrounding grounds through beautiful southern and eastern-facing windows. Outside, enjoy mature landscaping, garden space, shared irrigation, a powered shop, portable sheds, substantial storage, and room to create the lifestyle you've been dreaming about. Whether you enjoy gardening, projects, entertaining, or simply having space to spread out, this property offers exceptional flexibility and future potential. Seller is offering a $5,000 flooring allowance. Portable sheds included. Carport may remain. A rare opportunity to enjoy privacy, space, and a country feel while remaining close to schools, shopping, and everyday amenities.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

5/10
Valley View SchoolGrades PK-61.9 mi
6/10
North Middle SchoolGrades 7-83.7 mi
5/10
C M Russell High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1952

Materials

  • Foundation: Poured

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • 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: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,095

Heating & Cooling

  • Heating features: Gas,Hot Water
  • Cooling features: Window Unit(s)

Interior Area

  • Total interior livable area: 2,276 sqft

Property

Details

  • Parcel number: 02301509209010000
  • Zoning description: 1
  • Special condition: Standard
  • Other equipment: List Available,Satellite Dish

Features

  • Levels: Two

Lot

  • Lot size: 1.48 Acres

Parking

  • Total spaces: 1
  • Parking features: Additional Parking
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

How This Home’s Risks Compare

Winter Weather
Cold Wave

FEMA Declared Disasters in Cascade 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 $2,325$27,900
Home Insurance $222$2,664
Property Taxes $151$1,812
Electricity $156$1,875
Total$2,854$34,248

Income You'd Need if You Spent...

35% on housing$97,851/yr
40% on housing$85,620/yr
45% on housing$76,106/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: 10.5%
10.5%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$202This listing

vs Other Active Listings

Avg $/sqft

ZIP 59404$176
Cascade County$206

vs Homes Sold Last Month

Median $/sqft

ZIP 59404$189
Cascade County$182

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
2026-07-20Price change$459,900
2026-07-09Price change$474,000
2026-06-26Price change$479,000
2026-06-10Price change$484,000
2026-05-29Listed for sale$499,000

For Sale by Agent

AgentChristian Stone
BrokerageKeller Williams Northern MT

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