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Rural ResidenceResidential
$1,772,501$681 / 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 88How 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

678 E RIVER RD

PRAY, MT 59065
4
Beds
3
Baths
2,604 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.
20.01 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
14
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.8M
$1.6M low$2M 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.$1,543,801
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,235,041
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.14%
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.$228,700
BANK AMERICA FSB · recorded Jul 13, 2009

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,017 (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.$804,433 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$804,433
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$804,433

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
44
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
47
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
63
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
18
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
41
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.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

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.Ranch
CountyPark
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.20.01
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.Metal
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.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.Spa/Hot Tub (Only)
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 820 ft²Porch · 96 ft²

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

E
Arrowhead Elementary School
Elementary · Grades PK–4 · 7.7 mi
M
Arrowhead Middle School
Middle · Grades 5–8 · 7.7 mi
H
Park High SchoolC+
High · Grades 9–12 · 26.0 mi

District: Arrowhead Elementary School District

Neighborhood · ZIP 59065These 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.142
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 100.171

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.68%
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.6.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.90
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$98,722
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$132,729
Average tempThe average temperature here across a full year.30°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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

678 E 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 92% of homes in Park County
  • Costs more per square foot than 76% of homes in Park County
  • Bigger than 92% of homes in Park County
  • Has a bigger lot than 82% of homes in Park County

What homes are worth in Pray 59065

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

This home
$607K$4.3M

This home is worth more than 66% of homes in Pray 59065.

How it measures up in Pray 59065

The dot is this home. The mark in the middle is the typical home in Pray 59065.

Estimated value$1,772,501
CheaperTypical $1,516,590Pricier

Pricier than 66% of homes nearby

Price per ft²$681
CheaperTypical $798Pricier

Pricier than 36% of homes nearby

Living area2,604 ft²
SmallerTypical 1,656 ft²Bigger

Bigger than 81% of homes nearby

Lot size20.01 ac
SmallerTypical 17.07 acBigger

Bigger than 59% of homes nearby

Year built1994
OlderTypical 1997Newer

Newer than 44% of homes nearby

How 678 E River Rd ranks against every home in each area.
MeasureThis homePray 59065Park County
Estimated valuepricier than$1,772,50166% of homes92% of homes
Price per ft²pricier than$68136% of homes76% of homes
Living areabigger than2,604 ft²81% of homes92% of homes
Lot sizebigger than20.01 ac59% of homes82% of homes
Year builtnewer than199444% of homes61% of homes

About 678 E River Rd

How much is 678 E River Rd, Pray, MT worth?

The TopHap Estimate for 678 E River Rd, Pray, MT is $1,772,501 as of Jul 14, 2026. The likely range is $1,567,849 to $1,977,153. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 678 E River Rd, Pray, MT last sell?

678 E River Rd, Pray, MT last sold on Dec 9, 1999, according to the county's recorded deed.

How big is 678 E River Rd, Pray, MT?

678 E River Rd, Pray, MT has 4 bedrooms, 3 bathrooms, 2,604 square feet of living space and a 20.01-acre lot.

When was 678 E River Rd, Pray, MT built?

678 E River Rd, Pray, MT was built in 1994, making it 32 years old. It is a ranch home. The building has 1 story.

What schools serve 678 E River Rd, Pray, MT?

678 E River Rd, Pray, MT is assigned to Arrowhead Elementary School (elementary); Arrowhead Middle School (middle); Park High School (high), rated C+. All sit in Arrowhead Elementary School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 678 E River Rd, Pray, MT compare to other homes in Pray 59065?

Among the 282 homes in Pray 59065, it is worth more than 66% of them ($1,772,501 against a typical $1,516,590), its price per square foot is higher than 36% of them ($681 against a typical $798), it is bigger than 81% of them (2,604 ft² against a typical 1,656 ft²), its lot is bigger than 59% of them (20.01 ac against a typical 17.07 ac) and it is newer than 44% of them (1994 against a typical 1997). Measured against all of Park County, it is worth more than 92% 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 678 E River Rd, Pray, MT?

The 2025 property tax bill for 678 E River Rd, Pray, MT was $3,017. The county assessed it at $804,433.

Closest homes

More homes in Pray 59065

Assigned schools

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