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1104 5th St E, Polson, MT, 59860

3beds
1baths
1,175sqft
$198,000
$169price/sqft
$1,358/moest. monthly cost
$54,320/yrincome needed

About This Home

Investment Opportunity in a Prime Location This charming home offers both character and potential, making it a great option for investors or buyers looking for a rental property or flip to sell. Currently tenant-occupied, the home features original wood flooring and solid wood door frames in every room, adding timeless warmth throughout. While it could benefit from a little care and updating, the fundamentals are strong. A fenced backyard provides privacy and space for outdoor living, and the home sits in a quiet neighborhood close to a baseball field, the hospital, and just a short walk to downtown and Flathead Lake. With its combination of original details, rental potential, and sought-after location, this property is ready for the right owner to bring out its full charm.

Getting Around

36
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

--
Cherry Valley SchoolGrades PK-10.5 mi
6/10
Polson Middle SchoolGrades 5-80.7 mi
5/10
Polson High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1927

Materials

  • Foundation: Poured
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Finished area below ground: 0

Heating

  • Heating features: Baseboard,Electric,Radiant

Interior Area

  • Total interior livable area: 1,175 sqft

Property

Details

  • Parcel number: 15322809126060000
  • Zoning description: PTID
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Fencing: Back Yard

Lot

  • Lot size: 6,316 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 Wave
    Cold WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Wildfire
    WildfireRelatively High
  • Avalanche
    AvalancheModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Wildfire
Avalanche
Earthquake
Inland Flooding
Lightning

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 $1,001$12,012
Home Insurance $141$1,692
Property Taxes $65$780
Electricity $151$1,812
Total$1,358$16,296

Income You'd Need if You Spent...

35% on housing$46,560/yr
40% on housing$40,740/yr
45% on housing$36,213/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

$169This listing

vs Other Active Listings

Avg $/sqft

ZIP 59860$421
Lake County$408

vs Homes Sold Last Month

Median $/sqft

ZIP 59860
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)

No zestimate history available

Price History

DateEventPrice
2026-03-05Price change$198,000
2025-09-30Listed for sale$225,000

For Sale by Agent

AgentDiana Brunner
BrokerageEngel & Völkers Western Frontier - Polson

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