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10866 El Toro Ln, Missoula, MT, 59808

5beds
3baths
3,869sqft
$849,000
$219price/sqft
$5,178/moest. monthly cost
$207,120/yrincome needed

About This Home

Welcome to your own slice of Montana paradise, where wide-open spaces, breathtaking mountain views and thoughtfully designed living come together on beautifully fenced acreage. Offering five bedrooms, three full bathrooms, a spacious shop, and meticulously maintained grounds, this exceptional property delivers the perfect balance of country living and everyday convenience, just 10–15 minutes from everything Missoula has to offer. From the moment you arrive, it's clear this property has been lovingly cared for. The manicured landscape, pristine condition, and attention to detail create an inviting first impression that continues throughout the home. The main level is designed for comfortable living, featuring three generously sized bedrooms, including a spacious primary suite complete with a private full bathroom, large closet, and plenty of room for additional furnishings. Two additional bedrooms offer oversized closets and easy access to a second full bathroom. The well-appointed kitchen is ready for everything from weeknight dinners to holiday gatherings, offering hard-surface countertops, abundant cabinetry, generous workspace, and a pantry to keep everything organized. The adjoining living room creates an open, welcoming atmosphere while still maintaining defined spaces for everyday living. The covered deck gives you the experience of what Montana living is all about. Whether you're sipping your morning coffee as the sun rises over the mountains or winding down with an evening sunset, this outdoor space is the perfect place to bask in the surrounding beauty. The daylight lower level offers even more room to spread out, with an oversized family room ideal for movie nights, a playroom, game room, or additional entertaining space. Two spacious bedrooms with large closets, a third full bathroom, and exceptional storage throughout make this level just as functional as it is comfortable. One of the property's standout features is the impressive attached shop located in the basement. Whether you're looking for the perfect space for hobbies, projects, extra storage, a showroom, or a home workshop, this versatile space is ready to accommodate your vision. With direct access to the backyard, it's as practical as it is impressive. Convenience continues with laundry hookups and utility sinks available on both levels, providing flexibility for busy households. Another feature is the bonus room above the garage. This is partially unfinished and ready for you to bring your dreams and ideas to life! Outside, the fully fenced acreage offers endless possibilities! From gardening and animals to outdoor recreation or simply enjoying the peaceful surroundings. It's rare to find a property that combines this much usable land, outstanding functionality, and impeccable upkeep while remaining just minutes from shopping, dining, schools, and all the amenities of Missoula. If you've been searching for room to live, work, play, and enjoy the beauty of Big Sky Country, this is one you won't want to miss.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
9
BikeSomewhat Bikeable

Schools

2/10
3/10
Frenchtown 7-8Grades 6-86.5 mi
8/10
Frenchtown High SchoolGrades 9-126.5 mi

Construction

Condition

  • Year built: 2008

Materials

  • Foundation: Poured
  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Daylight,Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Main Level Primary,Open Floorplan,Vaulted Ceiling(s)
  • Finished area below ground: 1,910

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,869 sqft

Property

Details

  • Parcel number: 04232516101120000
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Deck,Front Porch
  • Has view: Yes
  • View description: Meadow,Mountain(s),Residential
  • Horses can be raised: Yes

Lot

  • Lot size: 2.02 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • 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
    Cold WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Wildfire
    WildfireRelatively High
  • Avalanche
    AvalancheModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Wildfire
Avalanche
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 $4,293$51,516
Home Insurance $232$2,784
Property Taxes $388$4,656
Electricity $265$3,188
Total$5,178$62,136

Income You'd Need if You Spent...

35% on housing$177,531/yr
40% on housing$155,340/yr
45% on housing$138,080/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

$219This listing

vs Other Active Listings

Avg $/sqft

ZIP 59808$372
Missoula County$310

vs Homes Sold Last Month

Median $/sqft

ZIP 59808$332
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
2026-08-11Price change$829,000
2026-07-10Listed for sale$849,000
2016-09-16Sold--
2016-07-13Price change$289,900
2016-07-12Listed for sale$279,900

For Sale by Agent

AgentRachael Orizotti Rixford
BrokerageBurke Orizotti Real Estate Inc

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