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Rural ResidenceResidential
$2,776,017$689 / 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 61How 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

1417 SPENCER RIDGE DR

WHITEFISH, MT 59937
5
Beds
8 / 1
Baths
4,028 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.
20 ac
Lot SizeThe size of the land the home sits on, from county records.
2016
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$2.8M
$1.7M low$3.9M 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.$1,011,017
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$808,814
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.65%
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.$1,765,000
WELLS FARGO BANK NA · recorded Mar 10, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$33,079 (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.$5,221,531 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$3,736,486
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$5,221,531

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.
59
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
43
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
39
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.Conventional
CountyFlathead
Lot (acres)The size of the land the home sits on, from county records.20.00
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.Yes
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
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 · 78 ft²Porch · 293 ft²

Transaction History(4)

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 · 3.4 mi
H
Whitefish High SchoolA-
High · Grades 9–12 · 3.4 mi
E
L a Muldown SchoolA-
Elementary · Grades PK–4 · 3.5 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.Yes

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

1417 Spencer Ridge Dr 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 97% of homes in Flathead County
  • Costs more per square foot than 79% of homes in Flathead County
  • Bigger than 98% of homes in Flathead County
  • Has a bigger lot than 95% of homes in Whitefish 59937
  • Newer than 86% of homes in Flathead County

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
$411K$6M

This home is worth more than 89% 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$2,776,017
CheaperTypical $1,005,736Pricier

Pricier than 89% of homes nearby

Price per ft²$689
CheaperTypical $651Pricier

Pricier than 55% of homes nearby

Living area4,028 ft²
SmallerTypical 1,578 ft²Bigger

Bigger than 96% of homes nearby

Lot size20 ac
SmallerTypical 0.49 acBigger

Bigger than 95% of homes nearby

Year built2016
OlderTypical 1998Newer

Newer than 81% of homes nearby

How 1417 Spencer Ridge Dr ranks against every home in each area.
MeasureThis homeWhitefish 59937Flathead County
Estimated valuepricier than$2,776,01789% of homes97% of homes
Price per ft²pricier than$68955% of homes79% of homes
Living areabigger than4,028 ft²96% of homes98% of homes
Lot sizebigger than20 ac95% of homes95% of homes
Year builtnewer than201681% of homes86% of homes

About 1417 Spencer Ridge Dr

How much is 1417 Spencer Ridge Dr, Whitefish, MT worth?

The TopHap Estimate for 1417 Spencer Ridge Dr, Whitefish, MT is $2,776,017 as of Jul 14, 2026. The likely range is $1,684,552 to $3,867,482. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1417 Spencer Ridge Dr, Whitefish, MT last sell?

1417 Spencer Ridge Dr, Whitefish, MT last sold on Mar 10, 2022, according to the county's recorded deed.

How big is 1417 Spencer Ridge Dr, Whitefish, MT?

1417 Spencer Ridge Dr, Whitefish, MT has 5 bedrooms, 8 bathrooms, 4,028 square feet of living space and a 20.00-acre lot.

When was 1417 Spencer Ridge Dr, Whitefish, MT built?

1417 Spencer Ridge Dr, Whitefish, MT was built in 2016, making it 10 years old. It is a conventional home. The building has 1 story.

What schools serve 1417 Spencer Ridge Dr, Whitefish, MT?

1417 Spencer Ridge Dr, 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 1417 Spencer Ridge Dr, Whitefish, MT compare to other homes in Whitefish 59937?

Among the 9,229 homes in Whitefish 59937, it is worth more than 89% of them ($2,776,017 against a typical $1,005,736), its price per square foot is higher than 55% of them ($689 against a typical $651), it is bigger than 96% of them (4,028 ft² against a typical 1,578 ft²), its lot is bigger than 95% of them (20 ac against a typical 0.49 ac) and it is newer than 81% of them (2016 against a typical 1998). Measured against all of Flathead County, it is worth more than 97% 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 1417 Spencer Ridge Dr, Whitefish, MT?

The 2025 property tax bill for 1417 Spencer Ridge Dr, Whitefish, MT was $33,079. The county assessed it at $5,221,531.

Closest homes

More homes in Whitefish 59937

Assigned schools

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