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Rural ResidenceResidential
$380,272$309 / 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 91How 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

40984 RIDGEWAY RD

CHARLO, MT 59824
2
Beds
2 / 1
Baths
1,232 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 ac
Lot SizeThe size of the land the home sits on, from county records.
1993
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$380K
$346K low$415K 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.$295,272
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$236,218
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.21%
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.$85,000
VALLEY BANK OF RONAN · 6.5% 1 · recorded Nov 4, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$972 (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.$183,970 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$183,970
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$183,970

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
CountyLake
Lot (acres)The size of the land the home sits on, from county records.1.00
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.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 48 ft²Porch · 336 ft²

Transaction History(1)

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
Charlo Elementary SchoolA-
Elementary · Grades PK–5 · 2.5 mi
H
Charlo High SchoolD
High · Grades 9–12 · 2.5 mi
M
Charlo 6-8
Middle · Grades 6–8 · 2.5 mi

District: Charlo Elementary School District

Neighborhood · ZIP 59824These 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.65
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.103
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.221

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
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.2,001
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.16 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,229
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$75,007
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.15 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

40984 Ridgeway 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 less than 84% of homes in Lake County
  • Costs less per square foot than 79% of homes in Lake County
  • Has a smaller lot than 77% of homes in Charlo 59824
  • Newer than 66% of homes in Charlo 59824

What homes are worth in Charlo 59824

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

This home
$251K$1.3M

This home is worth more than 19% of homes in Charlo 59824.

How it measures up in Charlo 59824

The dot is this home. The mark in the middle is the typical home in Charlo 59824.

Estimated value$380,272
CheaperTypical $540,937Pricier

Pricier than 19% of homes nearby

Price per ft²$309
CheaperTypical $368Pricier

Pricier than 34% of homes nearby

Living area1,232 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 41% of homes nearby

Lot size1 ac
SmallerTypical 10.05 acBigger

Bigger than 23% of homes nearby

Year built1993
OlderTypical 1977Newer

Newer than 66% of homes nearby

How 40984 Ridgeway Rd ranks against every home in each area.
MeasureThis homeCharlo 59824Lake County
Estimated valuepricier than$380,27219% of homes16% of homes
Price per ft²pricier than$30934% of homes21% of homes
Living areabigger than1,232 ft²41% of homes39% of homes
Lot sizebigger than1 ac23% of homes45% of homes
Year builtnewer than199366% of homes60% of homes

About 40984 Ridgeway Rd

How much is 40984 Ridgeway Rd, Charlo, MT worth?

The TopHap Estimate for 40984 Ridgeway Rd, Charlo, MT is $380,272 as of Jul 14, 2026. The likely range is $345,728 to $414,816. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 40984 Ridgeway Rd, Charlo, MT?

40984 Ridgeway Rd, Charlo, MT has 2 bedrooms, 2 bathrooms, 1,232 square feet of living space and a 1.00-acre lot.

When was 40984 Ridgeway Rd, Charlo, MT built?

40984 Ridgeway Rd, Charlo, MT was built in 1993, making it 33 years old. The building has 1 story.

What schools serve 40984 Ridgeway Rd, Charlo, MT?

40984 Ridgeway Rd, Charlo, MT is assigned to Charlo Elementary School (elementary), rated A-; Charlo High School (high), rated D; Charlo 6-8 (middle). All sit in Charlo Elementary School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 40984 Ridgeway Rd, Charlo, MT compare to other homes in Charlo 59824?

Among the 687 homes in Charlo 59824, it is worth more than 19% of them ($380,272 against a typical $540,937), its price per square foot is higher than 34% of them ($309 against a typical $368), it is bigger than 41% of them (1,232 ft² against a typical 1,344 ft²), its lot is bigger than 23% of them (1 ac against a typical 10.05 ac) and it is newer than 66% of them (1993 against a typical 1977). Measured against all of Lake County, it is worth more than 16% 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 40984 Ridgeway Rd, Charlo, MT?

The 2025 property tax bill for 40984 Ridgeway Rd, Charlo, MT was $972. The county assessed it at $183,970.

Closest homes

More homes in Charlo 59824

Assigned schools

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