427 S Spruce St, Townsend, MT, 59644
About This Home
What if your next home didn’t just offer space—but made life easier, more comfortable, and ready for what’s next? Welcome to 427 S Spruce Street in Townsend, Montana. This freshly updated 5-bed, 2-bath home offers nearly 2,700 sq ft across two levels. Upstairs features new flooring, fresh paint, resurfaced countertops, and new appliances in a bright, open layout with three bedrooms. The finished basement adds a family room, office, full bath, and laundry—ideal for work, guests, or extra living space. Outside, enjoy a mature yard with white picket fencing, a large garage, and room to garden or unwind. Just minutes from Canyon Ferry Lake, Heritage Park, schools, shops, and downtown Townsend. Move-in ready, this home blends comfort, modern updates, and small-town charm. Ready to start your next chapter in a home that fits your life—not the other way around? Schedule your private showing at 427 S Spruce Street today!
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1966
Materials
- Foundation: Poured
- Roof: Composition
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Range,Refrigerator
- Laundry features: Washer Hookup
Basement
- Has basement: Yes
- Basement: Full,Partially Finished
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 2
- Full bathrooms: 2
Features
- Main Level Primary
- Finished area below ground: 1,334
Heating & Cooling
- Heating features: Forced Air,Propane
- Cooling features: Central Air
Interior Area
- Total interior livable area: 2,668 sqft
Property
Details
- Parcel number: 43159131403090000
- Zoning: Residential
- Zoning description: R2
- Special condition: Standard
- Exclusions: N/A
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck,Porch
- Fencing: Wood
- Has view: Yes
- View description: Residential
- Topography of land: Level
Lot
- Lot size: 0.33 Acres
- Features: Back Yard,Front Yard,Level
Parking
- Total spaces: 3
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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
- Lightning
- Winter Weather
- Cold Wave
- Earthquake
- Inland Flooding
How This Home’s Risks Compare
FEMA Declared Disasters in Broadwater 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 | $2,159 | $25,908 |
| Home Insurance | $111 | $1,332 |
| Property Taxes | $225 | $2,700 |
| Electricity | $183 | $2,198 |
| Total | $2,678 | $32,136 |
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 |
|---|---|---|
| 2026-03-14 | Price change | $440,000 |
| 2026-02-18 | Listed for sale | $469,000 |
| 2026-02-16 | Listing removed | $469,000 |
| 2025-09-17 | Price change | $469,000 |
| 2025-08-27 | Listed for sale | $485,000 |
| 2025-08-27 | Listing removed | -- |
| 2025-07-21 | Listed for sale | $492,000 |
| 2023-04-28 | Sold | -- |
| 2023-04-18 | Pending sale | $339,500 |
| 2023-02-18 | Listed for sale | $339,500 |
| 2023-02-09 | Pending sale | $339,500 |
| 2023-02-09 | Contingent | $339,500 |
| 2023-02-01 | Listed for sale | $339,500 |
| 2020-01-11 | Listing removed | $233,000 |
| 2019-06-26 | Price change | $233,000 |
| 2019-01-12 | Listed for sale | $257,000 |
For Sale by Agent
View on Zillow