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About This Home

Affordable living in the Cayon Creek neighborhood! Close to I-90 and Reserve shops, this cute bungalow is a great starter home! This charming two-story home boasts two spacious bedrooms and two bathrooms, offering comfortable living across two levels. With a well-designed layout, this two-story house maximizes space and functionality, perfect for small families or couples. Enjoy the convenience of having both bedrooms and bathrooms on separate floors, providing privacy and flexibility. The upstairs master suite features ample closet space and a private en-suite bathroom, creating a cozy retreat. The main-floor living area is perfect for entertaining, with an open-concept layout with a large open kitchen and dining area. The kitchen has a great gas stove and room for a large dining table. Relax on the outdoor front porch and take in the views of the surrounding neighborhood and has a great fenced back yard. With thoughtful amenities and design touches throughout, this two-story home offers comfortable, convenient living. This neighborhood has great walkability with sidewalks and many parks and green spaces. Don't miss out on this home, it will not last long!

Getting Around

Car-Dependent

Minimal Transit

Somewhat Bikeable

Schools

Lower Grade HellgateGrades 2-31.9 mi

6/10

Hellgate Middle SchoolGrades 7-81.8 mi

3/10

Big Sky High SchoolGrades 9-124.8 mi

Construction

Condition

Year built: 2005

Materials

Foundation: Poured

Type & Style

Home type: SingleFamily
Architectural style: Multi-Level,Tri-Level
Property subType: Multi Family,Single Family Residence

Interior

Appliances

Appliances included: Dryer,Dishwasher,Microwave,Range,Washer
Laundry features: Washer Hookup

Basement

Has basement: Yes
Basement: Crawl Space

Bedrooms & Bathrooms

Bedrooms: 2
Bathrooms: 2
Full bathrooms: 2

Features

Open Floorplan,Walk-In Closet(s)
Finished area below ground: 0

Heating

Heating features: Forced Air

Interior Area

Total interior livable area: 1,164 sqft

Property

Details

Parcel number: 04219901111020000
Special condition: Standard

Lot

Lot size: 1,481 sqft

Parking

Total spaces: 1
Parking features: Garage
Has garage: Yes
Attached garage spaces: 1
Covered spaces: 1

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 WaveVery High
Ice StormRelatively High
Winter WeatherRelatively High
EarthquakeModerate
LightningModerate
WildfireModerate

How This Home’s Risks Compare

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

	Monthly	Annual
Mortgage	$1,971	$23,652
Home Insurance	$106	$1,272
Property Taxes	$190	$2,280
Electricity	$151	$1,812
Total	$2,418	$29,016

Income You'd Need if You Spent...

30% on housingRecommended$96,720/yr

35% on housing$82,902/yr

40% on housing$72,540/yr

45% on housing$64,480/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

$335This listing

vs Other Active Listings

Avg $/sqft

ZIP 59808$373

Missoula County$310

vs Homes Sold Last Month

Median $/sqft

ZIP 59808$332