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3098 Us Highway 12 W, White Sulphur Springs, MT, 59645

4beds
2baths
2,192sqft
$927,000
$423price/sqft
$5,569/moest. monthly cost
$222,760/yrincome needed

About This Home

A fully remodeled inside and out home. Sits alone with no neighbors. Sits on 38.37 fully fenced into five pastures and four auto waters. Good grass for animals if so desired. Excellent drinking and all, 27 GPM well. Four frost free hydrants. Has a nice shop and garage in 50x100ft. barn. Nice sitting park in yard. Has all new flooring, siding, metal roof, windows and doors, new furnace, new hot water heater, new appliances. Has new soft close cabinets, a nice walk-in pantry. Large walk-in shower and soft close toilet lids, plus walk in closet in Master. Septic has been pumped and lines scoped. All clean. Has a brand new 14ft, W by 12ft. H overhead shop/barn door. Would also sell 105 HP tractor in great condition with low hours for an additional 32,000. DEF has been disabled.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1996

Materials

  • Roof: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet,Linoleum / Vinyl

Heating

  • Heating features: Forced air,Electric

Interior Area

  • Total interior livable area: 2,192 sqft

Property

Features

  • Exterior features: Wood,Composition,Metal
  • Has view: Yes
  • View description: Territorial,Mountain

Lot

  • Lot size: 38.37 Acres

Parking

  • Parking features: Garage - Detached,Off-street

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
  • Lightning
    LightningVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Meagher 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 $4,687$56,244
Home Insurance $407$4,884
Property Taxes $324$3,888
Electricity $151$1,812
Total$5,569$66,828

Income You'd Need if You Spent...

35% on housing$190,937/yr
40% on housing$167,070/yr
45% on housing$148,506/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$423This listing

vs Other Active Listings

Avg $/sqft

ZIP 59645$249
Meagher County$249

vs Homes Sold Last Month

Median $/sqft

ZIP 59645
Meagher County$189

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
2026-02-26Listed for sale$927,000

For Sale by Owner

AgentProperty Owner

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