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409 Ryan Ln, Moscow, ID, 83843

4beds
4baths
3,038sqft
$759,000
$250price/sqft
$4,570/moest. monthly cost
$182,800/yrincome needed

About This Home

This gorgeous home is quickly taking shape! Offering 3,038 sq. ft. across three levels, this 4 bedroom, plus office, 3.5 bath home has some great features! Still in the early stages of construction, this home offers the opportunity to personalize flooring, finishes, countertops, and more. A HUGE rear deck is being expanded shortly to a total size of 12' x 38'. Stairs on the south side of the deck will allow you to access the larger part of the yard, and also take in the western sunsets and views. The main floor features a half bath, a spacious great room, and access to the deck, great for entertaining or relaxing. The kitchen will have custom, solid hardwood cabinets and quartz countertops, with the range plumbed for electricity and natural gas. Keep life organized with a central, main-floor office. Upstairs, you’ll find an open loft area, the primary suite and two add'l bedrooms with another full bathroom. The primary suite includes dual vanities, a walk-in tiled shower, a soaking tub, linen closet, and a walk-in closet. The daylight basement adds even more living space with a family room with a gas fireplace, full bathroom, and 4th bedroom. The attached 2-car garage opens into a dedicated mudroom with adjacent laundry room, creating a practical everyday layout. Landscaping allowance included. It's time to build the home you’ve been waiting for!

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
Moscow Middle SchoolGrades 6-80.8 mi
4/10
Moscow Senior High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Crawl Space
  • Roof: Architectural Style
  • Construction materials: Concrete,HardiPlank Type

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater,Dishwasher,Disposal,Microwave,Oven/Range Freestanding

Basement

  • Has basement: Yes
  • Basement: Daylight,Walk-Out Access

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4

Family Room

  • Level: Lower

Features

  • Bath-Master,Den/Office,Family Room,Great Room,Double Vanity,Walk-In Closet(s),Walk In Shower,Breakfast Bar,Kitchen Island,Quartz Counters,Number of Baths Upper Level: 2,Number of Baths Below Grade: 1
  • Number of fireplaces: 1
  • Fireplace features: One,Gas,Insert
  • Fireplace: Yes
  • Finished area below ground: 867
  • Finished area above ground: 2,056

Heating & Cooling

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

Interior Area

  • Total structure area: 3,038
  • Total interior livable area: 3,038 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Upper

Office

  • Level: Main

Property

Details

  • Parcel number: RPM08830010050
  • Zoning: R2

Features

  • Levels: Two Story w/ Below Grade

Lot

  • Lot size: 7,535 sqft
  • Features: Standard Lot 6000-9999 SF,Auto Sprinkler System,Drip Sprinkler System,Full Sprinkler System

Parking

  • Total spaces: 2
  • Parking features: 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 WaveRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Wildfire

FEMA Declared Disasters in Latah County and Idaho

Fire
Mud Landslide
Straight Line Winds

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 $3,837$46,044
Home Insurance $175$2,100
Property Taxes $373$4,476
Electricity $185$2,228
Total$4,570$54,840

Income You'd Need if You Spent...

35% on housing$156,685/yr
40% on housing$137,100/yr
45% on housing$121,866/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: 8.3%
8.3%
0%30.0%
Electricity Growth Rate10-year average: -0.1%
-0.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$250This listing

vs Other Active Listings

Avg $/sqft

ZIP 83843$172
Latah County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 83843$229
Latah County$234

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

No price history available

New Construction

AgentAngela Foisy
BrokerageLatah Realty, LLC

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