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117 W Central Ave, Missoula, MT, 59801

2beds
1baths
840sqft
$475,000
$565price/sqft
$2,962/moest. monthly cost
$118,480/yrincome needed

About This Home

While exploring Missoula's classic Lewis & Clark neighborhood, defined by tree-lined streets and friendly front porches, and just a few blocks from the University of Montana track and soccer stadium, the golf course that transforms into cross-country ski trails in winter, and neighborhood favorites like Cambie Taphouse and the old Dairy Queen, you'll find 117 W Central Avenue. This property combines classic charm, a generous lot, and exceptional flexibility under the newly established Urban Multi-Use 1 development district. The 2-bedroom, 1-bath home offers an inviting entry room that opens into a bright and comfortable living space. Original hardwood floors, high ceilings and wide trim nod to the aesthetics of the 1920s when the home was constructed. The kitchen features updated cabinetry and countertops and flows into a versatile space that has served as an office, mud room and craft nook. Both bedrooms are located on the west side of the home, including one with built-in storage. Laundry and additional storage are located in the unfinished basement. Glass-paned double doors open to a new wood deck, completed in 2026, and a fully fenced backyard with room to relax, garden, and enjoy views of Mount Sentinel and the surrounding mountains. The detached garage is best suited for storage as it is in need of some TLC, but the generous driveway provides convenient off-street parking. With a large lot and favorable zoning, this property is perfect for cozy living and offers exciting possibilities for future use and development.

Getting Around

72
WalkingVery Walkable
43
TransitSome Transit
74
BikeVery Bikeable

Schools

7/10
Lewis & Clark SchoolGrades PK-50.5 mi
8/10
Washington Middle SchoolGrades 6-80.4 mi
7/10
Sentinel High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Poured
  • Roof: Asphalt

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Partial,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0

Heating

  • Heating features: Forced Air,Gas

Interior Area

  • Total interior livable area: 840 sqft

Property

Details

  • Parcel number: 04220028411080000
  • Zoning: Residential
  • Zoning description: U - MU1
  • Special condition: Standard

Features

  • Patio & porch: Deck
  • Exterior features: Storage
  • Fencing: Back Yard,Chain Link
  • Has view: Yes
  • View description: Residential

Lot

  • Lot size: 7,623 sqft
  • Features: Back Yard,Front Yard,Level

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
  • Earthquake
    EarthquakeRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Ice Storm
Winter Weather
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 $2,401$28,812
Home Insurance $121$1,452
Property Taxes $289$3,468
Electricity $151$1,812
Total$2,962$35,544

Income You'd Need if You Spent...

35% on housing$101,554/yr
40% on housing$88,860/yr
45% on housing$78,986/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

$565This 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
2026-07-21Listed for sale$475,000
2026-07-16Listing removed$525,000
2026-05-21Price change$525,000
2026-05-12Listed for sale$550,000
2024-10-03Listing removed$2,000
2024-10-01Price change$2,000
2024-09-10Price change$2,200
2024-08-20Listed for rent$2,500
2021-04-20Sold--
2021-04-04Pending sale$289,900
2021-03-31Listed for sale$289,900
2020-06-09Listing removed$1,395
2020-06-05Listed for rent$1,395
2006-09-19Sold--

For Sale by Agent

AgentJulie Lingle Gardner
BrokerageERA Lambros Real Estate Missoula

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