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205 Water Way, Darby, MT, 59829

2beds
2baths
1,469sqft
$449,000
$306price/sqft
$2,723/moest. monthly cost
$108,920/yrincome needed

About This Home

Fully remodeled from top to bottom, this 2-bed, 2-bath home offers 1,469 sq ft of high-quality finishes and modern comfort in the heart of Darby—just down the street from the Bitterroot River. The seller is offering a $3,000.00 buyer credit at closing for loan fees and prepaids. Step inside to find durable LVP flooring, beautiful white oak cabinetry, and granite countertops that elevate both the kitchen and laundry room—complete with matching granite sinks. Brand-new appliances make the kitchen fully turnkey, while custom tiled showers in both bathrooms add a clean, upscale touch. The living space is anchored by a brand-new Kuma wood stove set on a custom rock fireplace. Paired with a new central heating and cooling system, the home is built for year-round comfort. Major systems have all been upgraded, including new plumbing, electrical, and a brand-new architectural composition roof—offering peace of mind and long-term value. Outside, enjoy a new front porch and a spacious 16’ x 12’ rear deck with mountain views—ideal for entertaining, barbecuing, or relaxing evenings. The property also features a 12’ x 24’ shed for added storage. With both front driveway access and rear alley access, this property offers convenience and flexibility. Turnkey, fully upgraded, and ready to enjoy—this is a standout opportunity in a highly desirable Montana small town.

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

4/10
Darby SchoolGrades PK-60.5 mi
--
Darby 7-8Grades 7-80.5 mi
1/10
Darby High SchoolGrades 9-120.5 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1922

Materials

  • Foundation: Poured

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • 3/4 bathrooms: 2

Features

  • Finished area below ground: 0

Heating

  • Heating features: Forced Air,Propane,Wood Stove,Wall Furnace

Interior Area

  • Total interior livable area: 1,469 sqft

Property

Details

  • Parcel number: 13117614202410000
  • Special condition: Standard

Features

  • Levels: One and One Half

Lot

  • Lot size: 8,407 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

  • Wildfire
    WildfireVery High
  • Cold Wave
    Cold WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Avalanche
    AvalancheModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Wildfire
Cold Wave
Winter Weather
Avalanche
Inland Flooding
Landslide
Lightning

FEMA Declared Disasters in Ravalli 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 $2,270$27,240
Home Insurance $149$1,788
Property Taxes $153$1,836
Electricity $151$1,812
Total$2,723$32,676

Income You'd Need if You Spent...

35% on housing$93,360/yr
40% on housing$81,690/yr
45% on housing$72,613/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: 13.4%
13.4%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$306This listing

vs Other Active Listings

Avg $/sqft

ZIP 59829$360
Ravalli County$332

vs Homes Sold Last Month

Median $/sqft

ZIP 59829
Ravalli County$296

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
2026-03-26Listed for sale$495,000
2024-12-19Sold--
2024-11-16Listed for sale$125,000

For Sale by Agent

AgentCole Sain
BrokerageAlpine Realty, Inc.

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