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819 Charlo St, Missoula, MT, 59802

2beds
1baths
3,046sqft
$989,000
$325price/sqft
$6,166/moest. monthly cost
$246,640/yrincome needed

About This Home

4-Unit Multifamily | 819 Charlo Street | Northside Missoula Now available individually: 819 Charlo Street—a stabilized 4-unit multifamily property located in Missoula’s desirable Northside neighborhood. This 4-plex is part of a larger portfolio and offers investors a rare chance to acquire a stand-alone asset with consistent income and long-term upside. Each of the four units features a 2-bedroom, 1-bathroom layout with approximately 787 sq ft of living space. The building is professionally managed, with staggered lease expirations from March to August 2025 that help reduce vacancy exposure and provide reliable cash flow. Tenants pay a monthly utility reimbursement, which offsets operating expenses and supports steady returns. The property is well maintained and includes off-street parking, green space, and convenient proximity to downtown, shopping, and transit.

Getting Around

34
WalkingCar-Dependent
33
TransitSome Transit
34
BikeSomewhat Bikeable

Schools

3/10
Lowell SchoolGrades PK-50.6 mi
5/10
Porter Middle SchoolGrades 6-83.1 mi
6/10
Hellgate High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 2015

Materials

  • Foundation: Poured

Type & Style

  • Home type: MultiFamily
  • Architectural style: Modern
  • Property subType: Quadruplex,Multi Family

Interior

Appliances

  • Laundry features: Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1

Interior Area

  • Total structure area: 3,046
  • Total interior livable area: 3,046 sqft

Property

Details

  • Parcel number: 04220016108255004
  • Special condition: Standard

Lot

  • Lot size: 2,831 sqft

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 $5,000$60,000
Home Insurance $294$3,528
Property Taxes $663$7,956
Electricity $209$2,509
Total$6,166$73,992

Income You'd Need if You Spent...

35% on housing$211,405/yr
40% on housing$184,980/yr
45% on housing$164,426/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

$325This listing

vs Other Active Listings

Avg $/sqft

ZIP 59802$216
Missoula County$309

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)

No zestimate history available

Price History

DateEventPrice
2025-10-14Listed for sale$989,000
2025-10-03Listing removed$989,000
2025-05-22Listed for sale$989,000

For Sale by Agent

AgentScott Blumfield
BrokerageCatalyst Commercial

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