405 E Spruce St, Missoula, MT, 59802
About This Home
Located in the heart of downtown Missoula. You’ll love the quiet neighborhood, and perfectly situated within walking distance to Missoula’s downtown, Greenough Park, extensive hiking trails, and the University of Montana. 2 bedroom, 1 bath home, attic area has approx. 144 sq. ft. finished for another bedroom/office/storage. (no access, would need to put in drop down stairs). Downtown Transition Zoning allows for a lot of different uses.
Getting Around
Very Walkable
Good Transit
Biker's ParadiseSchools
Construction
Condition
- Year built: 1910
Materials
- Foundation: Other,Stone
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range,Refrigerator
- Laundry features: Washer Hookup
Basement
- Has basement: Yes
- Basement: Crawl Space,Partial,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Features
- Finished area below ground: 0
Heating
- Heating features: Forced Air,Gas
Interior Area
- Total interior livable area: 912 sqft
Property
Details
- Parcel number: 04220022242110000
- Zoning description: D-T : Downtown Transition Zoning District
- Special condition: Standard
Features
- Patio & porch: Covered,Front Porch,Porch
- Fencing: Back Yard
- Topography of land: Level
Lot
- Lot size: 5,837 sqft
- Features: Back Yard,Level
- Lot size dimensions: 45 x 130
Parking
- Total spaces: 2
- Parking features: Alley Access,On Street
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 2
- Carport: Yes
- Carport 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
- Cold Wave
- Earthquake
- Ice Storm
- Inland Flooding
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Missoula County and Montana
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,525 | $30,300 |
| Home Insurance | $148 | $1,776 |
| Property Taxes | $269 | $3,228 |
| Electricity | $151 | $1,812 |
| Total | $3,093 | $37,116 |
Income You'd Need if You Spent...
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-26 | Price change | $499,500 |
| 2026-05-21 | Listed for sale | $525,000 |
| 2025-04-14 | Listing removed | $1,795 |
| 2025-01-29 | Listed for rent | $1,795 |
| 2012-05-09 | Listing removed | $925 |
| 2012-04-04 | Listed for rent | $925 |
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