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Rural ResidenceResidential
$1,045,726$331 / 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 95How 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

1040 SWAN RIVER RD

BIGFORK, MT 59911
4
Beds
4 / 1
Baths
3,164 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.
1.05 ac
Lot SizeThe size of the land the home sits on, from county records.
1979
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1M
$994K low$1.1M 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.$822,726
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$658,181
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.23%
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.$158,000
GLACIER BANK · recorded Apr 16, 2008
2nd 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.$65,000
GLACIER BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,848 (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.$851,200 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$511,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$851,200

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.32
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
64
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
49
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.
6
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.Conventional
CountyFlathead
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1995
Lot (acres)The size of the land the home sits on, from county records.1.05
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.Asphalt
HeatingThe type of heating system in the home.Electric
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Prefab
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 291 ft²Porch · 21 ft²

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

M
Swan River 6-8B+
Middle · Grades 6–8 · 2.4 mi
E
Swan River SchoolB+
Elementary · Grades PK–5 · 2.4 mi
H
Bigfork High SchoolB
High · Grades 9–12 · 2.6 mi

District: Bigfork High School District

Neighborhood · ZIP 59911These 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.143
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.100
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.249

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.72%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.12,035
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.7 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,405
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,606
Average tempThe average temperature here across a full year.38°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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.Owner occupied
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

1040 Swan River 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 75% of homes in Flathead County
  • Costs less per square foot than 95% of homes in Bigfork 59911
  • Bigger than 94% of homes in Flathead County
  • Older than 71% of homes in Bigfork 59911

What homes are worth in Bigfork 59911

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

This home
$239K$4.5M

This home is worth more than 56% of homes in Bigfork 59911.

How it measures up in Bigfork 59911

The dot is this home. The mark in the middle is the typical home in Bigfork 59911.

Estimated value$1,045,726
CheaperTypical $961,913Pricier

Pricier than 56% of homes nearby

Price per ft²$331
CheaperTypical $583Pricier

Pricier than 5% of homes nearby

Living area3,164 ft²
SmallerTypical 1,623 ft²Bigger

Bigger than 91% of homes nearby

Lot size1.05 ac
SmallerTypical 1.24 acBigger

Bigger than 46% of homes nearby

Year built1979
OlderTypical 1993Newer

Newer than 29% of homes nearby

How 1040 Swan River Rd ranks against every home in each area.
MeasureThis homeBigfork 59911Flathead County
Estimated valuepricier than$1,045,72656% of homes75% of homes
Price per ft²pricier than$3315% of homes16% of homes
Living areabigger than3,164 ft²91% of homes94% of homes
Lot sizebigger than1.05 ac46% of homes60% of homes
Year builtnewer than197929% of homes31% of homes

About 1040 Swan River Rd

How much is 1040 Swan River Rd, Bigfork, MT worth?

The TopHap Estimate for 1040 Swan River Rd, Bigfork, MT is $1,045,726 as of Jul 14, 2026. The likely range is $994,314 to $1,097,138. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 1040 Swan River Rd, Bigfork, MT?

1040 Swan River Rd, Bigfork, MT has 4 bedrooms, 4 bathrooms, 3,164 square feet of living space and a 1.05-acre lot.

When was 1040 Swan River Rd, Bigfork, MT built?

1040 Swan River Rd, Bigfork, MT was built in 1979, making it 47 years old. It is a conventional home. The building has 2 stories.

What schools serve 1040 Swan River Rd, Bigfork, MT?

1040 Swan River Rd, Bigfork, MT is assigned to Swan River 6-8 (middle), rated B+; Swan River School (elementary), rated B+; Bigfork High School (high), rated B. All sit in Bigfork High School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1040 Swan River Rd, Bigfork, MT compare to other homes in Bigfork 59911?

Among the 6,336 homes in Bigfork 59911, it is worth more than 56% of them ($1,045,726 against a typical $961,913), its price per square foot is higher than 5% of them ($331 against a typical $583), it is bigger than 91% of them (3,164 ft² against a typical 1,623 ft²), its lot is bigger than 46% of them (1.05 ac against a typical 1.24 ac) and it is newer than 29% of them (1979 against a typical 1993). Measured against all of Flathead County, it is worth more than 75% 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 1040 Swan River Rd, Bigfork, MT?

The 2025 property tax bill for 1040 Swan River Rd, Bigfork, MT was $2,848. The county assessed it at $851,200.

Closest homes

More homes in Bigfork 59911

Assigned schools

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