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900 Palmer St, Missoula, MT, 59802

3beds
1baths
1,104sqft
$449,900
$408price/sqft
$2,606/moest. monthly cost
$104,240/yrincome needed

About This Home

Charming Northside bungalow with endless potential! Situated on a large corner lot with both street and alley access, this 3-bedroom, 1-bath home offers a great opportunity for homeowners, investors, or those looking to add their personal touch. The main floor features three bedrooms, a full bath, a dedicated laundry room, a galley-style kitchen adjacent to the dining area, and a bright living room with large windows that fill the space with natural light. Central air conditioning for year-round comfort, and an unfinished basement provides excellent potential for additional storage, hobby area, or whatever suits your needs. Recent updates include a new roof on both the house and detached double garage with an additional carport, updated electrical service, a newer furnace, and a new water heater. Outside, you'll find a fully fenced yard with underground sprinklers, and ample off-street parking. Zoned U-R4, this property offers additional possibilities for future use and development. Don't miss this affordable opportunity to build equity and make this home your own!

Getting Around

44
WalkingCar-Dependent
34
TransitSome Transit
64
BikeBikeable

Schools

3/10
Lowell SchoolGrades PK-50.5 mi
5/10
Porter Middle SchoolGrades 6-83.1 mi
6/10
Hellgate High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Poured

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Finished area below ground: 85

Interior Area

  • Total interior livable area: 1,104 sqft

Property

Details

  • Parcel number: 04220016107230000
  • Zoning description: 3
  • Special condition: Standard

Lot

  • Lot size: 8,363 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Winter Weather
Earthquake
Inland Flooding
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 $2,274$27,288
Home Insurance $134$1,608
Property Taxes $47$564
Electricity $151$1,812
Total$2,606$31,272

Income You'd Need if You Spent...

35% on housing$89,348/yr
40% on housing$78,180/yr
45% on housing$69,493/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

$408This listing

vs Other Active Listings

Avg $/sqft

ZIP 59802$218
Missoula County$310

vs Homes Sold Last Month

Median $/sqft

ZIP 59802$326
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
2026-07-24Price change$449,900
2026-06-09Listed for sale$457,000

For Sale by Agent

AgentMary Trochmann
BrokerageBerkshire Hathaway HomeServices - Missoula

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