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1231 Eaton St, Missoula, MT, 59801

5beds
2baths
2,112sqft
$520,000
$246price/sqft
$3,220/moest. monthly cost
$128,800/yrincome needed

About This Home

Opportunity awaits investors or home buyers seeking supplemental income with this versatile 5-bedroom, 2-bath home offering 2,112 sq. ft., two separate upper and lower living spaces(See MLS #30075055) and designated parking for each unit—an ideal opportunity for owner-occupants, multi-generational living, rental income potential, or a buyer wanting a spacious home and functional floor plan. The main floor features a refreshed 3-bedroom, 1-bath layout with a bright and spacious living room highlighted by a large picture window. The generous eat-in kitchen includes dining area overlooking the covered back patio and private, mature fenced backyard. The spacious yard has established gardens, fruit trees, and plenty of room for entertaining. The finished lower level includes 2 bedrooms, 1 bath, a separate rear entrance, dedicated covered parking, and currently serves as a non-conforming apartment. With a full kitchen, welcoming living and dining space, egress windows, and access to the shared laundry, utility, and storage room, it offers flexibility for rental income, guests, or extended living arrangements. This adorable centrally located home is only a block from Franklin Park, a few blocks from Franklin Elementary School, and convenient to everything Missoula has to offer. Don’t miss out on this rare opportunity!

Getting Around

53
WalkingSomewhat Walkable
37
TransitSome Transit
63
BikeBikeable

Schools

5/10
Franklin SchoolGrades PK-50.3 mi
5/10
Porter Middle SchoolGrades 6-80.7 mi
6/10
Hellgate High SchoolGrades 9-121.8 mi

Construction

Condition

  • Property condition: See Remarks
  • Year built: 1974

Materials

  • Foundation: Poured
  • Roof: Asphalt
  • Construction materials: Wood Siding,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Mid-Century Modern
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedroom1

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Main Level Primary
  • Finished area below ground: 700

Heating

  • Heating features: Forced Air,Gas,Wall Furnace

Interior Area

  • Total interior livable area: 2,112 sqft

Property

Details

  • Parcel number: 04220029232250000
  • Zoning description: 3
  • Special condition: Standard

Features

  • Patio & porch: Covered,Patio
  • Exterior features: Garden,Rain Gutters
  • Fencing: Back Yard
  • Topography of land: Level

Lot

  • Lot size: 7,492 sqft
  • Features: Back Yard,Front Yard,Level

Parking

  • Total spaces: 2
  • Parking features: Additional Parking
  • 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
    Cold WaveRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Winter Weather

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 $2,629$31,548
Home Insurance $132$1,584
Property Taxes $308$3,696
Electricity $151$1,812
Total$3,220$38,640

Income You'd Need if You Spent...

35% on housing$110,400/yr
40% on housing$96,600/yr
45% on housing$85,866/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

$246This listing

vs Other Active Listings

Avg $/sqft

ZIP 59801$232
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
2026-07-20Listed for sale$520,000
2026-01-21Listing removed$2,000
2025-12-27Listed for rent$2,000
2019-08-22Sold--
2019-08-15Pending sale$285,000
2019-06-28Price change$285,000
2019-04-11Listed for sale$279,900
2019-01-31Listing removed$1,295
2018-12-23Price change$1,295
2018-12-15Listing removed$279,900
2018-12-13Listed for sale$279,900
2018-12-11Listed for rent$1,475
2018-11-30Sold--
2018-10-05Listed for sale$245,000
2004-05-07Sold--
2003-07-02Sold--

For Sale by Agent

AgentRose Chadwell
BrokerageBig Sky Brokers, LLC

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