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2045 S 13th St, Missoula, MT, 59801

6beds
2baths
2,496sqft
$494,000
$198price/sqft
$3,071/moest. monthly cost
$122,840/yrincome needed

About This Home

Set on a spacious double lot in the heart of Franklin to the Fort, 2045 S 13th St W presents an exceptional opportunity for both homeowners and investors seeking versatility and income potential. This 6 bedroom, 2 bath home offers 2,496 sqft of adaptable living space with character, flexibility, and longterm upside. The main level features three bedrooms, a bright living area, and a generous kitchen. Upstairs, a finished loft area provides additional space ideal for an office or bonus space. The lower level offers three additional rooms, a full bathroom, and a second kitchen, creating a functional mother in law style setup or convenient secondary living space. Zoned RM2.7, the property supports a variety of residential and mixed use options, offering further potential for those looking to expand or reconfigure the home’s use. Currently rented by the room at $700 each, the property produces $4,200/month. Outside, the double lot offers mature trees, ample off street parking, and room to add a garage, garden space, or consider future development possibilities. With close proximity to schools, shopping, parks, and downtown Missoula, this home presents a unique blend of space, rental upside, and long term opportunity.

Getting Around

53
WalkingSomewhat Walkable
42
TransitSome Transit
72
BikeVery Bikeable

Schools

5/10
Franklin SchoolGrades PK-50.2 mi
5/10
Porter Middle SchoolGrades 6-80.7 mi
6/10
Hellgate High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1938

Materials

  • Foundation: Poured

Type & Style

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

Interior

Appliances

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

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Features

  • Finished area below ground: 1,040

Heating

  • Heating features: Electric,Forced Air

Interior Area

  • Total interior livable area: 2,496 sqft

Property

Details

  • Parcel number: 04220029210490000
  • Special condition: Standard

Features

  • Fencing: None
  • Topography of land: Level

Lot

  • Lot size: 6,490 sqft
  • Features: Front Yard,Split Possible,Level

Parking

  • Parking features: Additional Parking,Alley Access,On Street

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 WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Winter Weather
Earthquake
Lightning

FEMA Declared Disasters in Missoula 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 $2,497$29,964
Home Insurance $126$1,512
Property Taxes $277$3,324
Electricity $171$2,056
Total$3,071$36,852

Income You'd Need if You Spent...

35% on housing$105,291/yr
40% on housing$92,130/yr
45% on housing$81,893/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: 12.3%
12.3%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 5.0%
5.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$198This listing

vs Other Active Listings

Avg $/sqft

ZIP 59801$233
Missoula County$310

vs Homes Sold Last Month

Median $/sqft

ZIP 59801$309
Missoula County$310

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
2025-12-16Listed for sale$499,000
2022-05-27Sold--
2022-04-19Contingent$415,000
2022-04-14Listed for sale$415,000
2016-01-01Listing removed$195,500
2015-12-02Price change$195,500
2015-08-07Listed for sale$215,000
2011-05-18Listing removed$134,000
2011-04-30Listed for sale$134,000

For Sale by Agent

AgentDanni Moore
BrokeragePureWest Real Estate - Missoula

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