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115 W Cover St, Virginia City, MT, 59755

2beds
2baths
1,455sqft
$435,000
$299price/sqft
$2,567/moest. monthly cost
$102,680/yrincome needed

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

36
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

7/10
Ennis SchoolGrades PK-610.9 mi
8/10
Ennis 7-8Grades 7-810.9 mi
8/10
Ennis High SchoolGrades 9-1210.9 mi

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
    Winter WeatherVery High
  • Avalanche
    AvalancheRelatively High
  • Cold Wave
    Cold WaveRelatively High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Winter Weather
Avalanche
Cold Wave
Landslide
Lightning
Earthquake
Hail
Inland Flooding
Wildfire

FEMA Declared Disasters in Madison 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 $2,199$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...

35% on housing$88,011/yr
40% on housing$77,010/yr
45% on housing$68,453/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: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 4.4%
4.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$299This listing

vs Other Active Listings

Avg $/sqft

ZIP 59755
Madison County$744

vs Homes Sold Last Month

Median $/sqft

ZIP 59755
Madison County$320

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
2025-10-20Price change$445,000
2025-08-04Price change$449,000
2025-07-01Price change$454,000
2025-06-10Price change$459,000
2025-04-18Price change$464,000
2024-12-21Price change$475,000
2024-08-09Price change$498,000
2024-06-26Listed for sale$510,000

For Sale by Agent

AgentToni Bowen
BrokerageERA Landmark Arrow RE

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