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4850 Spurgin Rd, Missoula, MT, 59804

3beds
2baths
1,878sqft
$744,900
$397price/sqft
$4,503/moest. monthly cost
$180,120/yrincome needed

About This Home

Tucked into one of Missoula's most sought-after settings, this exceptional Target Range property offers a rare opportunity to live directly adjacent to Montana State Fish, Wildlife & Parks land, with the renowned Kelly Island Fishing Access quite literally out your back door. Enjoy immediate proximity to the Clark Fork River, where fishing, floating, and endless outdoor recreation are just steps away. No driving, no crowds, just seamless access to Montana living at its finest. Set on a full acre, the property backs directly to state land, creating an expansive feel without the burden of maintaining it. The backyard transitions naturally into public land, offering privacy, open space, and unmatched convenience to river access. Inside, the home is meticulously maintained. The main level features two living areas, including a spacious den with French doors opening toward the backyard and state land beyond. The open kitchen with eat-at bar flows into a dining area with fireplace, along with a bedroom, full bathroom, and laundry hookups. Upstairs, a loft-style bedroom overlooks the living area below, accompanied by an additional bedroom and full bathroom, Ideal for flexible living. The location continues to stand out with nearby amenities including Target Range School, Fort Missoula Regional Park, and the beloved local gathering spot, The Olde Dairy/Trough. Additional features include a double insulated garage, cross-fenced pasture with shed, and extensive updates: roof, exterior paint, and gutters (2018); interior paint and flooring (2022); water heater (2022); and garage improvements (2021), along with well system updates. Backing to protected land with direct access to the Clark Fork River, this property offers a rare blend of privacy, recreation, and convenience in a truly special setting.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
31
BikeSomewhat Bikeable

Schools

6/10
Target Range SchoolGrades PK-61.3 mi
8/10
Target Range 7-8Grades 7-81.3 mi
3/10
Big Sky High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 1983

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Multi-Level,Tri-Level
  • Property subType: Multi Family,Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

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

Heating

  • Heating features: Forced Air,Gas

Interior Area

  • Total interior livable area: 1,878 sqft

Property

Details

  • Parcel number: 04219926205060000
  • Zoning: Residential
  • Zoning description: RRS-1
  • Special condition: Standard

Features

  • Fencing: Chain Link,Wood
  • Has view: Yes
  • View description: Residential
  • Topography of land: Level

Lot

  • Lot size: 1 Acres
  • Features: Views,Level

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • 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 WaveVery High
  • Earthquake
    EarthquakeRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Ice Storm
Lightning
Winter Weather
Inland Flooding
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 $3,766$45,192
Home Insurance $183$2,196
Property Taxes $403$4,836
Electricity $151$1,812
Total$4,503$54,036

Income You'd Need if You Spent...

35% on housing$154,388/yr
40% on housing$135,090/yr
45% on housing$120,080/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

$397This listing

vs Other Active Listings

Avg $/sqft

ZIP 59804$330
Missoula County$309

vs Homes Sold Last Month

Median $/sqft

ZIP 59804$374
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
2026-04-01Listed for sale$744,900
2024-08-07Listing removed--
2024-07-30Listed for rent$2,995
2024-06-25Sold--
2024-05-28Listed for sale$699,000

For Sale by Agent

AgentRick Meisinger
BrokerageERA Lambros Real Estate Missoula

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