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Rural ResidenceResidential
$992,415$419 / 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 94How 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

3 COUGAR RIDGE LN

THOMPSON FALLS, MT 59873
2
Beds
3 / 1
Baths
2,368 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.
13.83 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
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

$992K
$938K low$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.$570,015
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$456,012
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.47%
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.$422,400
WHITEFISH CREDIT UNION · recorded Sep 6, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,885 (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.$784,196 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$784,196
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$784,196

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.42
10
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.
55
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
70
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%

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.Tlog Home
CountySanders
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.2005
Lot (acres)The size of the land the home sits on, from county records.13.83
ConstructionThe main material the home's frame and walls are built from.Log
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.Floor/Wall Furnace
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached

Transaction History(2)

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.

E
Thompson Falls Elementary SchoolC
Elementary · Grades PK–6 · 5.2 mi
M
Thompson Falls 7-8C+
Middle · Grades 7–8 · 5.3 mi
H
Thompson Falls High SchoolC
High · Grades 9–12 · 5.9 mi

District: Thompson Falls Elementary School District

Neighborhood · ZIP 59873These 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.108
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.107
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.98

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.86%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.4,582
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.$57,682
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$63,153
Average tempThe average temperature here across a full year.42°F
Annual precipHow much rain and melted snow falls here in a typical year.36 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

3 Cougar Ridge Ln 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 95% of homes in Thompson Falls 59873
  • Costs more per square foot than 69% of homes in Thompson Falls 59873
  • Bigger than 93% of homes in Thompson Falls 59873
  • Has a bigger lot than 89% of homes in Thompson Falls 59873
  • Newer than 66% of homes in Sanders County

What homes are worth in Thompson Falls 59873

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

This home
$186K$1.2M

This home is worth more than 95% of homes in Thompson Falls 59873.

How it measures up in Thompson Falls 59873

The dot is this home. The mark in the middle is the typical home in Thompson Falls 59873.

Estimated value$992,415
CheaperTypical $490,724Pricier

Pricier than 95% of homes nearby

Price per ft²$419
CheaperTypical $347Pricier

Pricier than 69% of homes nearby

Living area2,368 ft²
SmallerTypical 1,346 ft²Bigger

Bigger than 93% of homes nearby

Lot size13.83 ac
SmallerTypical 1.02 acBigger

Bigger than 89% of homes nearby

Year built1999
OlderTypical 1990Newer

Newer than 63% of homes nearby

How 3 Cougar Ridge Ln ranks against every home in each area.
MeasureThis homeThompson Falls 59873Sanders County
Estimated valuepricier than$992,41595% of homes94% of homes
Price per ft²pricier than$41969% of homes64% of homes
Living areabigger than2,368 ft²93% of homes92% of homes
Lot sizebigger than13.83 ac89% of homes76% of homes
Year builtnewer than199963% of homes66% of homes

About 3 Cougar Ridge Ln

How much is 3 Cougar Ridge Ln, Thompson Falls, MT worth?

The TopHap Estimate for 3 Cougar Ridge Ln, Thompson Falls, MT is $992,415 as of Jul 14, 2026. The likely range is $937,738 to $1,047,092. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3 Cougar Ridge Ln, Thompson Falls, MT last sell?

3 Cougar Ridge Ln, Thompson Falls, MT last sold on Sep 6, 2018, according to the county's recorded deed.

How big is 3 Cougar Ridge Ln, Thompson Falls, MT?

3 Cougar Ridge Ln, Thompson Falls, MT has 2 bedrooms, 3 bathrooms, 2,368 square feet of living space and a 13.83-acre lot.

When was 3 Cougar Ridge Ln, Thompson Falls, MT built?

3 Cougar Ridge Ln, Thompson Falls, MT was built in 1999, making it 27 years old. It is a tlog home home. The building has 1 story.

What schools serve 3 Cougar Ridge Ln, Thompson Falls, MT?

3 Cougar Ridge Ln, Thompson Falls, MT is assigned to Thompson Falls Elementary School (elementary), rated C; Thompson Falls 7-8 (middle), rated C+; Thompson Falls High School (high), rated C. All sit in Thompson Falls Elementary School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3 Cougar Ridge Ln, Thompson Falls, MT compare to other homes in Thompson Falls 59873?

Among the 2,076 homes in Thompson Falls 59873, it is worth more than 95% of them ($992,415 against a typical $490,724), its price per square foot is higher than 69% of them ($419 against a typical $347), it is bigger than 93% of them (2,368 ft² against a typical 1,346 ft²), its lot is bigger than 89% of them (13.83 ac against a typical 1.02 ac) and it is newer than 63% of them (1999 against a typical 1990). Measured against all of Sanders County, it is worth more than 94% 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 3 Cougar Ridge Ln, Thompson Falls, MT?

The 2025 property tax bill for 3 Cougar Ridge Ln, Thompson Falls, MT was $3,885. The county assessed it at $784,196.

Closest homes

More homes in Thompson Falls 59873

Assigned schools

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