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9440 Saddle Mountain, Bozeman, MT, 59715

2beds
2baths
3,378sqft
$4,995,000
$1,479price/sqft
$28,997/moest. monthly cost
$1,159,880/yrincome needed

About This Home

Set above the Gallatin Valley in the coveted Middle Cottonwood corridor, Bozeman Creekside Hideaway encompasses 63± deeded acres of privacy, natural beauty, and remarkable proximity to Bozeman. Just 10± minutes from Riverside Country Club, approximately 15± minutes to Bozeman Yellowstone International Airport, and within 20–25 minutes of downtown, the property strikes a rare balance, offering a peaceful, creekside retreat without sacrificing convenience. It’s a setting that feels worlds away, yet keeps you closely connected to the region’s renowned dining, shopping, and vibrant community. The landscape is the defining feature. Anchored by roughly 1,000± feet of Middle Cottonwood Creek, this stretch of live water enhances both the aesthetic and recreational appeal of the ranch. With a Forest Service boundary, the property naturally extends into a larger, protected landscape, creating a true sanctuary for wildlife and an exceptional base for year-round recreation. The nearby Middle Cottonwood Trailhead provides quick access into the Bridger Range, opening the door to miles of hiking, exploration, and backcountry adventure. Thoughtful improvements are already in place, including a newly constructed ~3,300± square foot house/barn that blends comfort with functionality. With no covenants and favorable Middle Cottonwood zoning, ownership remains flexible. Additionally, three development rights offer meaningful long-term potential, allowing a future owner to shape the property to suit evolving needs or vision. Bozeman Creekside Hideaway ultimately offers a rare opportunity to own a private, creek side holding that combines seclusion, access, and enduring value in one of Bozeman’s most sought-after settings. Whether you’re seeking a legacy holding, a private family compound, or a thoughtfully positioned investment, this is a property that delivers on every level.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
1
BikeSomewhat Bikeable

Schools

9/10
Hawthorne SchoolGrades PK-55.8 mi
8/10
--
Gallatin High SchoolGrades 9-127.1 mi

Construction

Condition

  • Year built: 2024

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Oven,Cooktop,Dryer,Dishwasher,Microwave,Range,Refrigerator,Washer

Bedroom

  • Level: Main

Bedroom

  • Level: Upper

Bedrooms & Bathrooms

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

Family Room

  • Level: Main

Features

  • Vaulted Ceiling(s)
  • Finished area above ground: 3,378

Garage

  • Level: Main

Heating & Cooling

  • Heating features: Forced Air,Radiant Floor
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 3,378
  • Total interior livable area: 3,378 sqft

Kitchen

  • Level: Upper

Living Room

  • Level: Upper

Loft

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Upper

Property

Details

  • Parcel number: RFH9830
  • Zoning description: Call Listing Agent for Details
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Balcony
  • Spa features: Association
  • Has view: Yes
  • View description: Mountain(s),Valley,Trees/Woods
  • On waterfront: Yes
  • Waterfront features: Creek,Pond,River Front

Lot

  • Lot size: 63.36 Acres

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Hail
    HailRelatively High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Gallatin 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 $25,257$303,084
Home Insurance $1,220$14,640
Property Taxes $2,289$27,468
Electricity $231$2,783
Total$28,997$347,964

Income You'd Need if You Spent...

35% on housing$994,182/yr
40% on housing$869,910/yr
45% on housing$773,253/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: 14.5%
14.5%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 5.2%
5.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,479This listing

vs Other Active Listings

Avg $/sqft

ZIP 59715$595
Gallatin County$543

vs Homes Sold Last Month

Median $/sqft

ZIP 59715$436
Gallatin County$365

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
2026-06-08Listed for sale$4,995,000
2026-01-01Listing removed$6,777,000
2025-10-07Listed for sale$6,777,000

For Sale by Agent

AgentRyan Bramlette
BrokerageFay Ranches

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