




2045 S 13th St, Missoula, MT, 59801
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
Schools
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
- Ice Storm
- Winter Weather
- Earthquake
- Lightning
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 | $2,497 | $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...
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 |
|---|---|---|
| 2025-12-16 | Listed for sale | $499,000 |
| 2022-05-27 | Sold | -- |
| 2022-04-19 | Contingent | $415,000 |
| 2022-04-14 | Listed for sale | $415,000 |
| 2016-01-01 | Listing removed | $195,500 |
| 2015-12-02 | Price change | $195,500 |
| 2015-08-07 | Listed for sale | $215,000 |
| 2011-05-18 | Listing removed | $134,000 |
| 2011-04-30 | Listed for sale | $134,000 |
