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33460 Overland Rd, Saint Ignatius, MT, 59865

4beds
3baths
3,050sqft
$1,097,000
$360price/sqft
$6,959/moest. monthly cost
$278,360/yrincome needed

About This Home

If you have been waiting for a premier property in the Mission Valley, this could be it. Just a few miles north of St. Ignatius lies this beautiful 20 acres with a spacious, modern 2022 built 4 bedroom/3 bath home with a bonus room above the garage. No steps in this home on the main living level. Enter through the covered front patio onto the solid wood floors into the large living room with amazing pastoral views of hay fields and towering Mission Mountain peaks. The spacious kitchen has modern appliances, beautiful custom cabinets, countertops and a large island. The primary bedroom is spacious and has a full bathroom and a walk-in closet. A wide hallway leads to the other 3 bedrooms and full bath. Each bedroom and bath have large custom cabinet storage. All tub/showers are beautifully tiled. Covered patios on two sides let you chase the sun or the shade year-around. An oversized 2-car garage with radiant floor heat and a canning kitchen leads into the generous mud/laundry room. A large lawn with underground sprinklers allows plenty of room for play and activities. This property has irrigation rights and an irrigation system in place that is co-owed with adjacent property. Agriculture ground surrounds the property with good separation from neighbors. Only a few miles to either St. Ignatius, Ronan or Polson from the paved county road at the end of the driveway. Less than 1 hour to Missoula. Good well @ 15 gpm. The neighbor irrigates and farms the acreage on a lease basis and will be entitled to this season’s alfalfa crop and would like to continue the arrangement if possible. Lots of room for shop, outbuilding, and livestock. Come take a look at this great property.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

2/10
5/10
2/10
St Ignatius High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Poured,Slab

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Oven,Dishwasher,Microwave,Range,Refrigerator
  • Laundry features: Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bathroom2

  • Level: Main

Bathroom3

  • Level: Upper

Bathroom4

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Bonus Room

  • Level: Upper

Features

  • Finished area below ground: 0

Heating

  • Heating features: Wood Stove,Wall Furnace

Interior Area

  • Total interior livable area: 3,050 sqft

Laundry

  • Level: Main

Primary Bathroom

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 15286930101120000
  • Special condition: Standard

Features

  • Stories: 1
  • Patio & porch: Rear Porch,Covered,Front Porch,Patio
  • Exterior features: Garden,Rain Gutters
  • Fencing: Partial

Lot

  • Lot size: 20 Acres

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
  • 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 $5,547$66,564
Home Insurance $765$9,180
Property Taxes $438$5,256
Electricity $209$2,513
Total$6,959$83,508

Income You'd Need if You Spent...

35% on housing$238,594/yr
40% on housing$208,770/yr
45% on housing$185,573/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

$360This listing

vs Other Active Listings

Avg $/sqft

ZIP 59865$165
Lake County$404

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
2026-07-13Listed for sale$1,097,000

For Sale by Agent

AgentGary Clark
BrokerageGary Clark Realty

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