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6312 Decker Ln, Billings, MT, 59106

3beds
2baths
1,293sqft
$357,900
$277price/sqft
$2,269/moest. monthly cost
$90,760/yrincome needed

About This Home

This beautiful one-level townhome features a fresh, open-concept floor plan: vaulted ceilings & easy care LVP flooring thru-out. The living room is bright & inviting, centered around a modern corner fireplace & is adjacent to kitchen & dining. A fresh look for the kitchen with tile backsplash, rich "rye" colored wood cabinets & all stainless-steel appliances. Back door off kitchen to a private fenced patio: relax, fire up the grill or enjoy early morning coffee. Master suite includes walk-in closet, private bath, 2 more bedrooms, full bath, & laundry complete the home. Security minded neighborhood giving you peace of mind to lock & go. You'll come back to your snow being shoveled, lawn mowed, plus HOA pays insurance & water. Walkable neighborhood & friendly neighbors! Minutes to the west end & easy access to interstate.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

5/10
Boulder Elementary SchoolGrades PK-53.9 mi
5/10
Ben Steele Middle SchoolGrades 6-81.4 mi
5/10
Billings West High SchoolGrades 9-125.5 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Roof: Asphalt,Shingle
  • Construction materials: Hardboard

Type & Style

  • Home type: Townhouse
  • Architectural style: Ranch
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Ice Maker,Microwave,Oven,Range,Refrigerator,Smooth Cooktop
  • Laundry features: Washer Hookup,Dryer Hookup

Basement

  • Basement: None

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Features: Vaulted Ceiling(s)
  • Level: Main

Features

  • Pantry
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 1,293

Heating & Cooling

  • Heating features: Forced Air,Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,293 sqft

Kitchen

  • Features: Vaulted Ceiling(s)
  • Level: Main

Laundry

  • Features: Bookcases,Other
  • Level: Main

Living Room

  • Features: Vaulted Ceiling(s)
  • Level: Main

Master Bedroom

  • Features: Walk-In Closet(s)
  • Level: Main

Property

Details

  • Parcel number: A36971C
  • Zoning description: Mid-Century Neighborhood Residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Front Porch,Patio
  • Exterior features: Sprinkler/Irrigation,Patio
  • Fencing: Fenced

Lot

  • Lot size: 1,659 sqft
  • Features: Landscaped,Level,Sprinklers In Ground

Parking

  • Total spaces: 2
  • Parking features: 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
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Lightning
Wildfire
Hail
Inland Flooding
Strong Wind

FEMA Declared Disasters in Yellowstone 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 $1,809$21,708
Home Insurance $170$2,040
Property Taxes $139$1,668
Electricity $151$1,812
Total$2,269$27,228

Income You'd Need if You Spent...

35% on housing$77,794/yr
40% on housing$68,070/yr
45% on housing$60,506/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: 11.3%
11.3%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$277This listing

vs Other Active Listings

Avg $/sqft

ZIP 59106$239
Yellowstone County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 59106$219
Yellowstone County$194

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
2026-04-15Listed for sale$359,900
2026-04-01Listing removed$359,900
2026-02-12Price change$359,900
2025-10-10Listed for sale$365,000

New Construction

AgentPolly Kovash
BrokerageMetro, REALTORS L.L.P

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