




115 W Cover St, Virginia City, MT, 59755
About This Home
Experience the charm & elegance of the past with this exquisitely renovated vintage home, known historically as the Samuel Russell House, located on 2 city lots in the heart of VC. This shotgun-style Victorian-era cottage remains true to the architectural vernacular of its period, lovingly restored to preserve its historical integrity while incorporating modern comforts. As part of the Historic Landmark district, this home is a testament to VC's rich heritage. Originally constructed in 1900, it beautifully showcases handcrafted woodwork, authentic fixtures, & carefully selected finishes that honor its era. A historical plaque explaining the home's history from the Montana Historical Society has been placed in front. This home has undergone a complete overhaul to ensure modern comfort while preserving its vintage charm. Renovations include a new roof, new wiring & plumbing, refinished fir flooring, & new cedar siding. Every detail has been meticulously restored to maintain the authentic feel. The home features an elegant, old-fashioned front porch with a picturesque view and soothing sounds of "Daylight Creek" across the road. The spacious living room boasts a vaulted, beamed ceiling, a gorgeous, antique, stained-glass window, & a gas "wood stove." There is a side-entrance mudroom, & the kitchen includes a utility room, pantry/larder, & a root cellar believed to be part of the original dwelling. The glassed-in sunroom, complete with a wood stove & indoor planter, provides a cozy retreat for all seasons. The 2nd floor features a bedroom & full bath, plus access to a large storage attic. The property includes 2 functional outbuildings, both fully insulated & wired for electricity - good for workshops, overflow guests or storage. Situated on 2 city lots, the property boasts original stone retaining walls with plant beds of perennials, bulbs & crab apples; hedged borders surrounded by lawn areas & mature trees. Just 1 block off from the village, this home offers convenient access to the historic downtown, including museums, shops, restaurants, and seasonal events that celebrate the town’s heritage. The owners have lovingly completed the renovation, adding details that have transformed this project into a unique & character-full residence. This is a rare opportunity to own a piece of Montana’s history. Whether you’re seeking a full-time residence, a vacation retreat, or a historical investment, this vintage home in Virginia City promises to enchant and inspire.
Getting Around
Schools
Construction
Condition
- Year built: 1900
Materials
- Roof: Metal
- Construction materials: Cedar
Type & Style
- Home type: SingleFamily
- Architectural style: Victorian
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Freezer,Range,Refrigerator
Basement
- Has basement: Yes
- Basement: Unfinished
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Fireplace,Vaulted Ceiling(s),Window Treatments,Sun Room
- Window features: Window Coverings
- Flooring: Hardwood
- Fireplace features: Gas
- Fireplace: Yes
- Finished area above ground: 1,391
Heating & Cooling
- Heating features: Propane,Stove,Wall Furnace
- Cooling features: None
Interior Area
- Total structure area: 1,455
- Total interior livable area: 1,455 sqft
Property
Details
- Parcel number: 0001006400
- Zoning description: None/Unknown
- Special condition: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered,Porch
- Fencing: Partial
- On waterfront: Yes
- Waterfront features: Creek
Lot
- Lot size: 9,583 sqft
Parking
- Parking features: No Garage
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
- Winter Weather
- Avalanche
- Cold Wave
- Landslide
- Lightning
- Earthquake
- Hail
- Inland Flooding
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Madison County and Montana
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,199 | $26,388 |
| Home Insurance | $94 | $1,128 |
| Property Taxes | $123 | $1,476 |
| Electricity | $151 | $1,812 |
| Total | $2,567 | $30,804 |
Income You'd Need if You Spent...
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2025-10-20 | Price change | $445,000 |
| 2025-08-04 | Price change | $449,000 |
| 2025-07-01 | Price change | $454,000 |
| 2025-06-10 | Price change | $459,000 |
| 2025-04-18 | Price change | $464,000 |
| 2024-12-21 | Price change | $475,000 |
| 2024-08-09 | Price change | $498,000 |
| 2024-06-26 | Listed for sale | $510,000 |
