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10232 Pale Morning Ct, Missoula, MT, 59808

4beds
4baths
2,653sqft
$1,095,000
$413price/sqft
$6,728/moest. monthly cost
$269,120/yrincome needed

About This Home

This mountain modern townhome, with exceptional craftsmanship by Gooden Construction and high-end finishes throughout is located in the Freestone development with private Clark Fork River access and 35 acres of preserved space common are. Designed with entertaining in mind, the main level offers a seamless, open flow between living spaces. The great room welcomes you with white oak flooring, soaring vaulted ceilings, and solid-core walnut doors. A striking stone-wrapped gas fireplace anchors the space, while floor-to-ceiling Pella Impervia windows fill the room with abundant natural light. The chef’s kitchen is equally impressive, featuring GE Monogram appliances, quartzite countertops, rich walnut cabinetry, a wine bar with beverage refrigerator, and a dining area that opens directly to the back patio—perfect for indoor-outdoor living. The main level also hosts a luxurious primary suite with an ensuite bathroom complete with radiant floor heating, a walk-in closet, a dedicated laundry room, and a convenient powder room for guests. Upstairs, a second primary suite offers added comfort and privacy, complete with its own ensuite bathroom, radiant heated floors, and an additional laundry area. Two more bedrooms, a full bathroom, and a versatile loft or flex space complete the upper level. Step outside to an expansive rear patio, thoughtfully equipped with a gas line and surrounded by beautifully landscaped grounds and serene mountain views. Every detail of this home has been carefully considered, including premium upgrades such as a heated garage and an automatic generator transfer switch.

Getting Around

1
WalkingCar-Dependent
7
TransitMinimal Transit
13
BikeSomewhat Bikeable

Schools

--
Lower Grade HellgateGrades 2-33.9 mi
6/10
Hellgate Middle SchoolGrades 7-83.8 mi
3/10
Big Sky High SchoolGrades 9-124.9 mi

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Poured
  • Roof: Composition
  • Construction materials: Masonite

Type & Style

  • Home type: Townhouse
  • Architectural style: Modern
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air,Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,653 sqft

Property

Details

  • Parcel number: 04219909303045003
  • Special condition: Standard

Lot

  • Lot size: 2,787 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Winter Weather
Earthquake
Lightning
Wildfire

FEMA Declared Disasters in Missoula 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 $5,536$66,432
Home Insurance $299$3,588
Property Taxes $711$8,532
Electricity $182$2,186
Total$6,728$80,736

Income You'd Need if You Spent...

35% on housing$230,674/yr
40% on housing$201,840/yr
45% on housing$179,413/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: 12.3%
12.3%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 5.0%
5.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$413This listing

vs Other Active Listings

Avg $/sqft

ZIP 59808$368
Missoula County$309

vs Homes Sold Last Month

Median $/sqft

ZIP 59808$332
Missoula County$310

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
2026-05-12Price change$1,195,000
2026-04-01Listed for sale$1,230,000

For Sale by Agent

AgentStephanie Gardner
BrokeragePureWest Real Estate - Missoula

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