631 Rhode Island St, Helena, MT, 59601
About This Home
Nestled in one of Helena's most walkable neighborhoods, 631 Rhode Island Street puts the best of the Queen City right at your doorstep. Whether you're lacing up for a morning hike on the Mount Ascension trails or strolling downtown for dinner, you'll love the effortless access this address affords. The home itself is cozy and manageable a 1-bedroom, 1-bathroom layout that's easy to maintain and full of everyday livability. But what truly sets this property apart is everything beyond the front door. A detached 2-car garage provides ample room for vehicles, gear, and hobbies, while an additional outbuilding opens up even more possibilities for storage, a workshop, or creative space. The real story here is the lot. Generous in size and brimming with potential, this property is a rare find for investors, owner-occupants looking to generate income, or buyers thinking long-term. The space is well-suited for adding an accessory dwelling unit (ADU) or a second dwelling, (subject to City of Helena Approval) — giving you the flexibility to build equity, house extended family, or create a rental opportunity in a high-demand market.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1885
Materials
- Foundation: Stone
- Roof: Metal
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range,Refrigerator
- Laundry features: Washer Hookup
Basement
- Has basement: Yes
- Basement: Unfinished
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Features
- Finished area below ground: 0
Heating
- Heating features: Baseboard,Electric,Forced Air,Gas
Interior Area
- Total interior livable area: 825 sqft
Property
Details
- Parcel number: 05188831421070000
- Special condition: Standard
Features
- Patio & porch: Rear Porch,Enclosed,Porch
- Topography of land: Level,Sloping
Lot
- Lot size: 0.36 Acres
- Features: Level
Parking
- Total spaces: 2
- Parking features: Garage
- 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
- Winter Weather
- Lightning
- Earthquake
How This Home’s Risks Compare
FEMA Declared Disasters in Lewis and Clark 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 | $2,502 | $30,024 |
| Home Insurance | $201 | $2,412 |
| Property Taxes | $229 | $2,748 |
| Electricity | $151 | $1,812 |
| Total | $3,083 | $36,996 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-19 | Listed for sale | $495,000 |
View on Zillow