895 W Cow Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Hero Image
895
W Cow Creek Road
Hamilton | Montana

The Heart of

Urban Living

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Michael Pederson
Michael Pederson
Presented At
$1,750,000
Bedrooms
5
Bathrooms
4
Living
4,012
SQFT
895 W Cow Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 1
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895 W Cow Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. , Hamilton , Montana 59840

5 Bedrooms Single Family Detached

If you’re dreaming of being tucked away in the Bitterroot Mountains, this home is beautifully positioned right in the foothills, with a view of Sheafman Creek Canyon and the Sapphire Mountains. The Bitterroots are a hiker’s paradise, and this home is only minutes from hiking trails and forest service in the 240 hunting district. While you feel like you’re away from it all, you’re only about 15 minutes from downtown Hamilton, where you’ll find local shopping and eateries. Sitting on 5.55 fenced acres and tastefully landscaped, there are seasonal ditches, two fenced gardens, and a large greenhouse. Making self-sufficiency more convenient, the storage sheds could easily be converted back to raising chickens, goats, etc. The main house offers a great room with tall ceilings and a wood-burning rock fireplace, a formal dining room just off the kitchen, three full bathrooms each with Jacuzzi tubs, and five bedrooms—one being the primary on the second floor featuring an en suite bathroom, attached office, and private balcony overlooking the backyard showcasing the Bitterroots. Ample garage and shop space comprised of a heated and insulated three-car detached garage, and a workshop with two extra garage spaces. Above the shop is a two-bedroom, two-bathroom apartment, convenient for housing guests or producing extra income. Combining privacy, functionality, and natural beauty, this property is a rare opportunity to own your piece of the Bitterroot lifestyle.

Property

3D Street View Tour

Map showing 895 W Cow Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States.

Property Location

895 W Cow Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States., Hamilton Montana

Local Weather & Climate

Hamilton, Montana

Current Conditions Updated recently
41 °F
Scattered clouds
Feels Like 37°F
Humidity 50%
Wind 7 mph
Visibility 6.2 mi
Sunrise 12:46 PM
Sunset 2:26 AM
5-Day Forecast
Sat 18 Apr
Clouds
High 49°
Low 30°
Sun 19 Apr
Clouds
High 59°
Low 32°
Mon 20 Apr
Clouds
High 67°
Low 42°
Tue 21 Apr
Clouds
High 75°
Low 45°
Wed 22 Apr
Clouds
High 74°
Low 47°
Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around Hamilton?

Walkability and transit scores for this address come from the EPA National Walkability Index.

Mortgage Calculator

Estimate your monthly payments for this property

$
%
$100,000
%
Estimated Monthly Payment $3,160
Monthly Payment Breakdown
Principal & Interest $2,528
Loan Amount $400,000
Total Interest $337,621
Total Cost $737,621
Potential Tax Benefits (United States)
$0 Est. First Year Interest Deduction
$0 Est. Annual Tax Savings
*Based on post-2017 tax law. Actual deductions depend on filing status, itemization, and current tax laws.

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Important Information
  • This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
  • Monthly payment estimates do not include property taxes, homeowner's insurance, HOA fees, or other applicable costs which may significantly increase your actual payment.
  • Interest rates shown are for demonstration only. Actual rates depend on your credit score, down payment, loan type, property location, and current market conditions.
  • This tool provides estimates only. Consult with a licensed mortgage professional for accurate quotes and personalized advice.
  • Tax benefit calculations are simplified estimates based on general assumptions for United States. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
  • Tax Year Information: Tax data shown is based on United States tax year 2025 (fiscal year: January-December), rules effective from 2018 through 2025. Tax laws change frequently and may have been amended since this data was compiled.

Market Opinion

Ultra Luxury 327.7× median

Our perspective on current market conditions in Hamilton. For informational purposes only — always consult a licensed real estate professional before making decisions.

Neutral Market
Balanced conditions. Negotiate wisely.
58
Buyer Score
Prices are down 0.8% year-over-year

Local Market Price Trends

Median home sale prices in Hamilton, Montana — ZIP code 59840 over the last 24 months. This shows how property values in this neighborhood have changed over time, helping you understand whether the market is appreciating, stable, or cooling.

This property is listed at $175,000,000
Area median: $534,059
-0.8% year-over-year (well below the 3.5% historical avg)

Market Competition

Future Value & Wealth Building

Starting investment: $1,750,000 20% down ($350,000)

42.4 years
Double Your Investment
Based on current market trends, your property value could double
$859,562
10-Year Equity
Your potential equity after 10 years of payments and appreciation
$9,314
Monthly Investment
Estimated monthly mortgage payment (principal & interest)
$2,858,364
30-Year Wealth Potential
Total equity after full mortgage payoff with market appreciation
2.5x
Leverage Power
Your $350,000 down payment could grow to $859,562 in equity (10 yrs)
Investment Perspective
$ $ $
$1 → $1.18
Every dollar invested today could become $1.18 in 10 years
$100 → 118 $1,000 → $1,178
+$79
$79/day
Your home may appreciate while you sleep
$555/week $2,405/mo $28,856/yr
$100K Investment Comparison (10 Years)
Real Estate (Leveraged)
$189K
S&P 500 Index
$259K
High-Yield Savings
$155K
Real estate leverage: potential -27% advantage over stocks
RENT 💸 -$963K
vs
OWN 📈 +$860K
$860K Potential Equity
vs $963K lost to rent over 10 years
$350K Down Payment Growth
2.5x
10yr
$860K
4.6x
20yr
$1.6M
8.2x
30yr
$2.9M
Wealth Comparison
×7
Equivalent to 7 average US homes
top 5%
US household wealth ranking
Median: $193K Yours: $2.9M
Time to Double Your Investment (accounting for market cycles)
76.9
years
Conservative
0.91% effective/yr
18.2
years
Optimistic
3.88% effective/yr
Projected Home Values (adjusted for market cycles)
10 Years
Conservative $1.9M +9%
Market $2.1M +18%
Optimistic $2.6M +46%
$860K est. equity
20 Years
Conservative $2.1M +20%
Market $2.4M +39%
Optimistic $3.7M +114%
$1.6M est. equity
30 Years
Conservative $2.3M +31%
Market $2.9M +63%
Optimistic $5.5M +213%
$2.9M est. equity

Historical Market Context

How current appreciation compares to long-term averages

National Long-Term Average
4.27 %
1967 – 2024
57 years of U.S. home price data
Recent Decade Average
6.5 %
2014 – 2024
Post-recovery bull market
Opportunity Zone
Current 2.5% appreciation is below the national historical average. This market may offer value opportunities.

Projections account for historical market cycles (~12% corrections every 6 years). Effective annual growth after corrections: 1.6%. Market scenario reflects current 2.5% YoY trend from Zillow (Apr 2026). These projections are estimates only and actual results may vary. Past performance does not guarantee future results.

Data from U.S. Census Bureau, World Bank, Zillow, and Redfin | Market data updated Apr 2026

Neighborhood Demographics

ZIP 59840 • 2022 ACS Data

14,625 Population
Median Age: 49.0
$62,576 Median Income
Average
$355,700 Median Home Value
Rent: $936
29.7% College Graduates
Average

Housing

Homeowners 62.9%
Renters 27.7%
Vacancy Rate 9.4%

Employment

2.1% Unemployment
8.1% Work From Home

Education Attainment (Age 25+)

High School+ 92.5%
Bachelor's+ 29.7%
Graduate+ 13.2%
Data from U.S. Census Bureau American Community Survey 2022

Frequently Asked Questions

Common questions about this property

This house at 895 W Cow Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States features 5 bedrooms with 4,012 square feet of living space.
This property offers 4,012 square feet of living space.
This property is listed at $175,000,000, which equals $43619 per square foot.
In Hamilton, home prices have decreased 0.8% over the past year, it's currently a unknown. These market conditions can affect pricing strategies and negotiation opportunities.
Based on current market indicators, Hamilton shows an active market. The market opportunity score is 58 out of 100, reflecting factors like price trends, inventory levels, and days on market.
This is a house located in Hamilton, Montana. The property is situated in an established neighborhood with convenient access to local amenities and services.
Michael Pederson

Michael Pederson

Glacier Sotheby's International Realty

License #01969314

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Kelly Whitmoyer

Kelly Whitmoyer

Glacier Sotheby's International Realty

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