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31525 Allison Rd, Saint Ignatius, MT, 59865

1beds
2baths
1,270sqft
$448,000
$353price/sqft
$2,907/moest. monthly cost
$116,280/yrincome needed

About This Home

SELLER IS MOTIVATED and agrees to pay $5,000 toward Buyers closing costs. This is truly a rare offering in St. Ignatius, western Montana— where breathtaking scenery meets comfortable country living. Just a half mile from the base of the majestic Mission Mountains, this newly renovated home sits on 1.45 acres with sweeping valley and mountain views in every direction. The 1,270-square-foot residence is currently designed as an expansive 1-bedroom, 1.5-bath home, offering an open and spacious feel, while also providing the potential for an easy conversion to a 2-bedroom layout. Enjoy the benefits of a manageable parcel size while being surrounded by the grandeur of wide-open, productive agricultural land. Seasonal irrigation is included through a shared mainline system, delivering high-pressure gravity-fed water to the property. The location is a mere 600 feet away from the Amish community school/worship building. A wonderful location for a back-in-time horse and buggy experience. Whether you're looking for a peaceful retreat, full-time residence, or investment opportunity, this property offers an exceptional blend of scenery, flexibility, and rural Montana charm. Annual rainfall is 17 inches with an average of only 4 feet of winter snow. Historical records indicate that this immediate area served as the wintering haven for many nomadic peoples due to the milder, banana belt winter environment, which in fact averages up to 7 degrees warmer temperatures than 3 miles further west in downtown St Ignatius. A weather anomaly due to weather and mountain patterns, providing greater variety of fruit tree and garden success. Enjoy country living in at its best, including paved road access with the exception of the final 1/2 mile being well maintained gravel road. Easy to show and available to see today!

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

2/10
5/10
2/10
St Ignatius High SchoolGrades 9-123.4 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2000

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Batts Insulation,Blown-In Insulation,Metal Siding,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Range
  • Laundry features: Washer Hookup

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Main Level Primary
  • Finished area below ground: 0

Heating

  • Heating features: Wall Furnace

Interior Area

  • Total interior livable area: 1,270 sqft

Property

Details

  • Parcel number: 15275409101210000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Patio
  • Fencing: Wood
  • Has view: Yes
  • View description: Mountain(s),Valley
  • Topography of land: Level
  • Horses can be raised: Yes

Lot

  • Lot size: 1.45 Acres
  • Features: Pasture,Level

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
  • Winter Weather
    Winter WeatherVery High
  • Ice Storm
    Ice StormRelatively High
  • Avalanche
    AvalancheModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Ice Storm
Avalanche
Earthquake
Inland Flooding
Lightning
Wildfire

FEMA Declared Disasters in Lake 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 $2,265$27,180
Home Insurance $312$3,744
Property Taxes $179$2,148
Electricity $151$1,812
Total$2,907$34,884

Income You'd Need if You Spent...

35% on housing$99,668/yr
40% on housing$87,210/yr
45% on housing$77,520/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: 12.5%
12.5%
0%30.0%
Electricity Growth Rate10-year average: 1.3%
1.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.0%
2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$353This listing

vs Other Active Listings

Avg $/sqft

ZIP 59865$196
Lake County$407

vs Homes Sold Last Month

Median $/sqft

ZIP 59865
Lake County$229

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
2026-07-31Price change$448,000
2026-06-24Price change$449,000
2026-06-16Price change$450,000
2026-05-17Listed for sale$465,000

For Sale by Agent

AgentDavid A Passieri
BrokerageMission Valley Properties

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