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4306 Gharrett St, Missoula, MT, 59803

4beds
3baths
2,325sqft
$629,000
$271price/sqft
$3,867/moest. monthly cost
$154,680/yrincome needed

About This Home

Montana Home with Spacious Basement & Nice Fenced Yard. Endless Potential! Welcome to 4306 Gharrett Street in Missoula! This property offers a wonderful opportunity for those looking to create their dream home with plenty of space and versatility. The home provides a solid foundation for personalization and updates. On the main level, you'll find a comfortable 3-bedroom, 2-bathroom layout, perfect for family living. The kitchen is ideal for gatherings and culinary adventures, with a sizable bonus room off the kitchen, great for a home office, craft space, or additional living space. The highlight is the fully separate basement suite with its own private entrance, featuring a cozy 1 bedroom, 1 bathroom, full kitchen, and living area. This space offers excellent potential for guests, rental income, or a private retreat. Situated on a spacious lot, the backyard is fully fenced, providing privacy and a safe play area for kids or pets. The well-maintained storage shed adds convenient outdoor storage for tools, gardening supplies, and hobbies. Bring your vision to life, with its spacious layout, private basement suite, and large yard, it's ready for its next chapter. Schedule a viewing today and explore the endless possibilities at 4306 Gharrett Street!

Getting Around

56
WalkingSomewhat Walkable
32
TransitSome Transit
64
BikeBikeable

Schools

5/10
Chief Charlo SchoolGrades PK-51.0 mi
7/10
7/10
Sentinel High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1959

Materials

  • Foundation: Poured
  • Roof: Asphalt
  • Construction materials: Board & Batten Siding,Metal Siding,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Oven,Cooktop,Dishwasher,Microwave,Range,Refrigerator

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Main Level Primary,Wet Bar
  • Finished area below ground: 1,092

Heating & Cooling

  • Heating features: Baseboard,Ductless,Electric,Forced Air,Gas
  • Cooling features: Ductless

Interior Area

  • Total interior livable area: 2,325 sqft

Property

Details

  • Parcel number: 04209306213170000
  • Special condition: Standard

Features

  • Stories: 1
  • Patio & porch: Rear Porch,Covered
  • Fencing: Back Yard,Chain Link
  • Has view: Yes
  • View description: Residential

Lot

  • Lot size: 10,193 sqft
  • Features: Back Yard,Front Yard,Landscaped,Level,Sprinklers In Ground

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 WaveVery High
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Winter Weather
Lightning
Wildfire

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 $3,180$38,160
Home Insurance $160$1,920
Property Taxes $368$4,416
Electricity $159$1,915
Total$3,867$46,404

Income You'd Need if You Spent...

35% on housing$132,582/yr
40% on housing$116,010/yr
45% on housing$103,120/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

$271This listing

vs Other Active Listings

Avg $/sqft

ZIP 59803$298
Missoula County$310

vs Homes Sold Last Month

Median $/sqft

ZIP 59803$259
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
2026-07-22Listed for sale$629,000
2014-07-03Sold--
2014-03-21Listed for sale$230,000

For Sale by Agent

AgentCary Shulund
BrokerageERA Lambros Real Estate Hamilton

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