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1951 S 4th St W APT B, Missoula, MT, 59801

3beds
3baths
1,452sqft
$429,000
$295price/sqft
$2,660/moest. monthly cost
$106,400/yrincome needed

About This Home

OPEN HOUSE SUNDAY, AUGUST 23, 12-2 PM! NEW PRICE - NOW OFFERED AT $415,000! Don’t let the condominium designation fool you—this townhouse-style home lives like a single-family residence, offering an attached garage, private fenced yard, and the ease of low-maintenance living in an exclusive two-unit community. Beautifully maintained and move-in ready, this 3-bedroom, 2.5-bath home offers 1,452 square feet of thoughtfully updated living space. Built in 2004, it features a new furnace (2024), new gas water heater (June 2026), updated kitchen appliances, a new dishwasher (2025), refrigerator (2022), washer and dryer (2021), and new blinds throughout (2023). Blackout blinds in the primary suite and both additional bedrooms provide added comfort and privacy. The bright, functional floor plan is filled with natural light and includes central air conditioning, a Google Nest thermostat, and Google doorbell. Step outside to enjoy your own private, fenced yard with attractive rock landscaping and paver accents—perfect for relaxing, entertaining, or simply enjoying outdoor space without the maintenance of a larger lot. One of only two residences in the condominium association, this home offers an exceptional combination of privacy and convenience. The attached single-car garage, additional driveway parking, and prime location near Reserve Street, Third Street, shopping, dining, and nearby trails make everyday living easy. Whether you’re searching for your first home, looking to downsize without sacrificing privacy, or simply want the feel of a single-family home with fewer maintenance responsibilities, this property offers a rare opportunity that’s increasingly difficult to find in Missoula.

Getting Around

56
WalkingSomewhat Walkable
37
TransitSome Transit
85
BikeVery Bikeable

Schools

5/10
Franklin SchoolGrades PK-50.4 mi
5/10
Porter Middle SchoolGrades 6-81.2 mi
3/10
Big Sky High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Poured

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

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

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air,Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,452 sqft

Property

Details

  • Parcel number: 04220020411027002
  • Special condition: Standard

Lot

  • Lot size: 5,183 sqft

Parking

  • Total spaces: 1
  • Parking features: Garage - Attached
  • 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 WaveRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Winter Weather

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

MonthlyAnnual
Mortgage $2,169$26,028
Home Insurance $109$1,308
Property Taxes $231$2,772
Electricity $151$1,812
Total$2,660$31,920

Income You'd Need if You Spent...

35% on housing$91,200/yr
40% on housing$79,800/yr
45% on housing$70,933/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

$295This listing

vs Other Active Listings

Avg $/sqft

ZIP 59801$233
Missoula County$310

vs Homes Sold Last Month

Median $/sqft

ZIP 59801$309
Missoula County$310

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
2026-08-18Price change$415,000
2026-06-05Listed for sale$429,000
2021-04-22Sold--
2021-03-09Contingent$315,000
2021-03-03Listed for sale$315,000
2013-09-19Sold--
2013-07-30Price change$159,900
2013-06-12Price change$164,500
2013-02-02Listed for sale$169,000
2012-06-08Sold--
2012-04-19Price change$139,900
2012-03-24Price change$158,500
2012-02-22Price change$163,500
2012-01-07Listed for sale$167,500

For Sale by Agent

AgentKathy Kinney
BrokerageReal Broker, LLC

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