908 4th St, Plains, MT, 59859
About This Home
New Construction with finishing touches being completed. This charming starter home offers an open-concept layout with vaulted ceilings throughout the kitchen, dining, and living areas, creating a bright and spacious feel. The main floor features two bedrooms and a shared full bathroom. Upstairs, the versatile loft provides additional living space and includes a half bath, making it ideal for a third bedroom, home office, playroom, or bonus room. Situated on a flat 0.25-acre lot, this property offers plenty of room for buyers to bring their landscaping vision to life. Additional features include custom wood cabinetry, durable LVP flooring throughout, an attached two-car garage, city water, septic system, mature trees, and forced-air heating.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2026
Materials
- Roof: Asphalt
Type & Style
- Home type: SingleFamily
Interior
Basement
- Basement: Basement (not specified)
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
Heating & Cooling
- Heating features: Forced air
- Cooling features: None
Interior Area
- Total interior livable area: 1,820 sqft
Property
Features
- Exterior features: Composition
- Has view: Yes
- View description: City,Mountain
Lot
- Lot size: 0.25 Acres
Parking
- Parking features: Garage - Attached
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
- Inland Flooding
- Winter Weather
- Cold Wave
- Ice Storm
- Landslide
- Wildfire
- Earthquake
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters in Sanders County and Montana
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,921 | $23,052 |
| Home Insurance | $114 | $1,368 |
| Property Taxes | $145 | $1,740 |
| Electricity | $151 | $1,812 |
| Total | $2,331 | $27,972 |
Income You'd Need if You Spent...
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-16 | Price change | $380,000 |
| 2026-06-18 | Listed for sale | $398,000 |
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