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Rural ResidenceResidential
$1,825,962$522 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

165 RIVER RANCH RD

WHITEFISH, MT 59937
4
Beds
4 / 1
Baths
3,500 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
4.11 ac
Lot SizeThe size of the land the home sits on, from county records.
2024
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.8M
$1.6M low$2M high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$482,762
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$386,210
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.73%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$1,343,200
WHITEFISH CU · recorded Jul 23, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,571 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,689,200 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$175,767
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,689,200

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.45
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
55
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
44
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
43
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
84
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Modern
CountyFlathead
Lot (acres)The size of the land the home sits on, from county records.4.11
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 56 ft²Porch · 56 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Whitefish Middle 5-8B+
Middle · Grades 5–8 · 6.6 mi
H
Whitefish High SchoolA-
High · Grades 9–12 · 7.0 mi
E
L a Muldown SchoolA-
Elementary · Grades PK–4 · 7.2 mi

District: Whitefish Elementary School District

Neighborhood · ZIP 59937These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.180

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.82%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.35%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.17,377
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.33 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,593
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$113,283
Average tempThe average temperature here across a full year.40°F
Annual precipHow much rain and melted snow falls here in a typical year.26 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

165 River Ranch Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 92% of homes in Flathead County
  • Costs less per square foot than 71% of homes in Whitefish 59937
  • Bigger than 96% of homes in Flathead County
  • Has a bigger lot than 79% of homes in Whitefish 59937
  • Among the newest homes in Whitefish 59937

What homes are worth in Whitefish 59937

Each bar is how many homes fall in that price range. The marker is this home.

This home
$414K$6.1M

This home is worth more than 78% of homes in Whitefish 59937.

How it measures up in Whitefish 59937

The dot is this home. The mark in the middle is the typical home in Whitefish 59937.

Estimated value$1,825,962
CheaperTypical $1,015,649Pricier

Pricier than 78% of homes nearby

Price per ft²$522
CheaperTypical $647Pricier

Pricier than 29% of homes nearby

Living area3,500 ft²
SmallerTypical 1,568 ft²Bigger

Bigger than 93% of homes nearby

Lot size4.11 ac
SmallerTypical 0.49 acBigger

Bigger than 79% of homes nearby

Year built2024
OlderTypical 1998Newer

Newer than almost all homes nearby

How 165 River Ranch Rd ranks against every home in each area.
MeasureThis homeWhitefish 59937Flathead County
Estimated valuepricier than$1,825,96278% of homes92% of homes
Price per ft²pricier than$52229% of homes62% of homes
Living areabigger than3,500 ft²93% of homes96% of homes
Lot sizebigger than4.11 ac79% of homes78% of homes
Year builtnewer than2024almost all homesalmost all homes

About 165 River Ranch Rd

How much is 165 River Ranch Rd, Whitefish, MT worth?

The TopHap Estimate for 165 River Ranch Rd, Whitefish, MT is $1,825,962 as of Jul 14, 2026. The likely range is $1,611,046 to $2,040,878. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 165 River Ranch Rd, Whitefish, MT last sell?

165 River Ranch Rd, Whitefish, MT last sold on Jul 23, 2025, according to the county's recorded deed.

How big is 165 River Ranch Rd, Whitefish, MT?

165 River Ranch Rd, Whitefish, MT has 4 bedrooms, 4 bathrooms, 3,500 square feet of living space and a 4.11-acre lot.

When was 165 River Ranch Rd, Whitefish, MT built?

165 River Ranch Rd, Whitefish, MT was built in 2024, making it 2 years old. It is a modern home. The building has 2 stories.

What schools serve 165 River Ranch Rd, Whitefish, MT?

165 River Ranch Rd, Whitefish, MT is assigned to Whitefish Middle 5-8 (middle), rated B+; Whitefish High School (high), rated A-; L a Muldown School (elementary), rated A-. All sit in Whitefish Elementary School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 165 River Ranch Rd, Whitefish, MT compare to other homes in Whitefish 59937?

Among the 9,226 homes in Whitefish 59937, it is worth more than 78% of them ($1,825,962 against a typical $1,015,649), its price per square foot is higher than 29% of them ($522 against a typical $647), it is bigger than 93% of them (3,500 ft² against a typical 1,568 ft²), its lot is bigger than 79% of them (4.11 ac against a typical 0.49 ac) and it is newer than almost all of them (2024 against a typical 1998). Measured against all of Flathead County, it is worth more than 92% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 165 River Ranch Rd, Whitefish, MT?

The 2025 property tax bill for 165 River Ranch Rd, Whitefish, MT was $6,571. The county assessed it at $1,689,200.

More homes on River Ranch Rd

Closest homes

More homes in Whitefish 59937

Assigned schools

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