




10866 El Toro Ln, Missoula, MT, 59808
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
Schools
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
- Ice Storm
- Wildfire
- Avalanche
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Missoula 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 | $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...
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 |
|---|---|---|
| 2026-08-11 | Price change | $829,000 |
| 2026-07-10 | Listed for sale | $849,000 |
| 2016-09-16 | Sold | -- |
| 2016-07-13 | Price change | $289,900 |
| 2016-07-12 | Listed for sale | $279,900 |
For Sale by Agent
