363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Hero Image
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363
Owings Creek Road
Hamilton | Montana

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Michael Pederson
Michael Pederson
Presented At
$795,000
Bedrooms
4
Bathrooms
4
Living
3,142
SQFT
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 1
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 2
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 3
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 4
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 5
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 6
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 7
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 8
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 9
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 10
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 11
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 12
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 13
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 14
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 15
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 16
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 17
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 18
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 19
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 20
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 21
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 22
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 23
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 24
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 25
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 26
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 27
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 28
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 29
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 30
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 31
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363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 33
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 34
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 35
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 36
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 37
363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. - Photo 38
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363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States. , Hamilton , Montana 59840

363 Owings Creek Road, Hamilton, Mt, 59840

Set among the pines of the Bitterroot Mountains yet just minutes from downtown Hamilton, this comfortable home offers the perfect blend of peace and convenience. From the back deck, listen to Owings Creek flowing nearby, breathe in the scent of pine, and watch for passing wildlife. Inside, you’ll find granite countertops, barn wood accents, abundant natural light, and a wood-burning fireplace that makes the living room a warm and welcoming retreat. The main level features an open-concept kitchen and living area, formal dining room, laundry, mudroom, and half bath. Upstairs, the primary suite and two additional bedrooms create a private haven. The daylight walkout basement adds flexibility with a bath, large family or workout room, and a bonus space ideal for guests or hobbies. With paved access all the way, you’re only minutes from the Bitterroot River and the trailheads at Blodgett, Roaring Lion, and Sawtooth.

Property

3D Street View Tour

Map showing 363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States.

Property Location

363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States., Hamilton Montana

Local Weather & Climate

Hamilton, Montana

Current Conditions Updated recently
34 °F
Few clouds
Feels Like 30°F
Humidity 67%
Wind 5 mph
Visibility 6.2 mi
Sunrise 1:22 PM
Sunset 2:00 AM
5-Day Forecast
Sun 29 Mar
Clouds
High 53°
Low 34°
Mon 30 Mar
Clouds
High 54°
Low 38°
Tue 31 Mar
Clouds
High 47°
Low 25°
Wed 1 Apr
Clouds
High 51°
Low 33°
Thu 2 Apr
Snow
High 47°
Low 36°
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 148.9× 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 $79,500,000
Area median: $534,059
-0.8% year-over-year (well below the 3.5% historical avg)

Market Competition

Future Value & Wealth Building

Starting investment: $795,000 20% down ($159,000)

42.4 years
Double Your Investment
Based on current market trends, your property value could double
$390,487
10-Year Equity
Your potential equity after 10 years of payments and appreciation
$4,231
Monthly Investment
Estimated monthly mortgage payment (principal & interest)
$1,298,514
30-Year Wealth Potential
Total equity after full mortgage payoff with market appreciation
2.5x
Leverage Power
Your $159,000 down payment could grow to $390,487 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
+$36
$36/day
Your home may appreciate while you sleep
$252/week $1,092/mo $13,109/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 💸 -$437K
vs
OWN 📈 +$390K
$390K Potential Equity
vs $437K lost to rent over 10 years
$159K Down Payment Growth
2.5x
10yr
$390K
4.6x
20yr
$738K
8.2x
30yr
$1.3M
Wealth Comparison
×3
Equivalent to 3 average US homes
top 10%
US household wealth ranking
Median: $193K Yours: $1.3M
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 $870K +9%
Market $936K +18%
Optimistic $1.2M +46%
$390K est. equity
20 Years
Conservative $952K +20%
Market $1.1M +39%
Optimistic $1.7M +114%
$738K est. equity
30 Years
Conservative $1.0M +31%
Market $1.3M +63%
Optimistic $2.5M +213%
$1.3M 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 363 Owings Creek Road, Hamilton, MT 59840, Hamilton, Montana, United States features 4 bedrooms with 3,142 square feet of living space.
This property offers 3,142 square feet of living space.
This property is listed at $79,500,000, which equals $25302 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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