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    Duplex with Updated 1BR Units Title is generated by Realmo AI

    915 Charlo Street, Missoula, MT 59802

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    For Sale
    $405,000

    MULTI_FAMILY - Missoula, MT

    Lot size:
    0.10 Acres
    Added:
    Jun 5, 2026
    Days on Market:
    2
    Last Refresh:
    Jun 6 at 12:06 pm

    Property Features for 915 Charlo Street

    General Information

    Property type
    Residential Multi Family
    Property subtype
    Other
    Zoning
    Multi-Family
    Rooms
    Laundry Room
    Interior features
    MainLevelPrimary
    Standard status
    Active
    APN
    04220016107300000
    Lot size
    0.10 Acres

    Taxes and HOA fees

    Tax Year
    2025
    Tax Description
    SCHOOL 5 ACRE, S16, T13 N, R19 W, BLOCK 17, Lot 10, NORTH HALF
    Tax Annual Amount
    2493

    Utilities

    Sewer type
    Public Sewer
    Water source
    Public

    Building Details

    Year built
    1977
    Floors in Building
    1
    Number of units
    2
    Roof type
    Asphalt

    We can help!

    Listing Contact
    Leah Whitney
    Leah Whitney

    Listing agent Leah Whitney License #RRE-RBS-LIC-99557

    Listing office Keller Williams Western MT 1200 S Reserve Ste F, Missoula, MT

    Listing date Jun 5, 2026

    MLS# 30070906 Listing URL

    Copyright © 2026 Montana Regional MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

    HighLights

    • Northside duplex built in 1977 with 1 bed, 1 bath floor plans in both Unit A and Unit B
    • Both units have updated kitchens and updated bathrooms, plus in‑unit laundry
    • Unit A is currently occupied and Unit B is vacant and ready for an owner occupant or new tenant
    • Each unit includes two dedicated parking spaces
    • Public water and public sewer; roof is asphalt
    • Rooms include a laundry room; main level includes a primary bedroom

    Overview

    This Northside duplex at 915 Charlo Street in Missoula offers two separate 1-bedroom, 1-bathroom units, labeled Unit A and Unit B. Both units include updated kitchens and bathrooms, in-unit laundry, and two dedicated parking spaces per unit. Unit A is currently occupied, while Unit B is vacant and available for an owner-occupant move-in or to be leased as a new tenant.

    The property is located just minutes from downtown Missoula via the pedestrian bridge, providing convenient access to local dining, shopping, and community activities while avoiding downtown parking hassles. The area also offers quick highway access for commuters, and it is close to the Waterworks Hill Trail System for hiking and trail running.

    For buyers seeking a live-in setup or an income-producing residential property, the unit mix and separation of parking and laundry are practical for everyday use. With one unit generating current rental income and the other ready for occupancy, this duplex can support a range of owner-occupant and investor plans under the Multi-Family zoning designation.
    Property Profile Location Intelligence

    Current Use by Public Records

    Duplexes

    Suggested Use

    Real Estate Agency Restaurant Law Firm Spa & Massage Center Hair Salon Dental Office Nail Salon Building Supply Daycare Center Accounting Firm

    Zoning and permitted uses should be independently verified with local authorities.

    Location Insight

    • Map
    • Local Demand
    City
    Missoula
    County
    Missoula
    State
    Montana
    Longitude
    -114.004555
    Latitude
    46.887917

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    FAQs

    What type of property is this?
    Duplex - Two updated 1-bedroom units with in-unit laundry and dedicated parking spaces per unit.
    Where is this duplex located?
    The property is located at 915 Charlo Street Missoula, MT.
    What is the asking price?
    The asking price for this property is $405,000.
    What are key features of this property?
    This property features: Northside duplex built in 1977 with 1 bed, 1 bath floor plans in both Unit A and Unit B; Both units have updated kitchens and updated bathrooms, plus in‑unit laundry; Unit A is currently occupied and Unit B is vacant and ready for an owner occupant or new tenant
    (406) 274-2578
    We can help!
    Listing Contact
    Leah Whitney
    Leah Whitney
    Real Estate License ID: RRE-RBS-LIC-99557
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    Realmo Value Estimations

    Realmo estimates a property’s market value using a proprietary methodology that incorporates public data and user-submitted information. This cumulative value is generated by integrating a variety of conventional and innovative methods. 

    Disclaimer

    These figures are not official appraisals and should not be used as a substitute for a valuation performed by a licensed appraiser.
    Actual market value may differ due to factors not captured in the data. Estimates are offered for informational purposes only, and users should conduct independent research before making financial or investment decisions.
    By using this feature, you acknowledge that Realmo is not responsible for actions taken based on these estimates.

    AI approach

    Realmo AI Method estimates property value using machine learning models trained on millions of comparable listings, transactions, and market signals. It analyzes property features, location intelligence data, and current market dynamics to predict the most probable market value in real time.

    Realmo CapRate Calculation

    Realmo calculates the Capitalization Rate (Cap Rate) to help estimate a property's potential return on investment. The Cap Rate is a fundamental metric in commercial real estate that measures the relationship between a property's net operating income and its market value.

    How We Calculate Cap Rate

    Cap Rate Formula:
    Cap Rate (%) = (Net Operating Income / Property Value) × 100

    Net Operating Income (NOI) Formula:
    NOI = Area × Lease Rate × (1 - Vacancy Rate) × (1 - Operating Expense Ratio)

    Components

    Net Operating Income (NOI) represents the annual income a property generates after operating expenses:

    • Area: Building square footage from property records
    • Lease Rate: Annual $/sqft based on market data for the property type and geographic location
    • Vacancy Rate: Percentage of unoccupied space based on market data for the property type and location
    • Operating Expense Ratio: Operating costs as a percentage of income, varies by property type

    Property Value is derived from:

    • Recent sale price (if available)
    • Statistical models using comparable sales
    • AI-powered valuation estimates

    Example Calculation

    For a 100,000 sqft Office Building:

    • Lease Rate: $25.00/sqft/year (market data for Office in this area)
    • Vacancy Rate: 8% (market data for Office in this area)
    • Operating Expense Ratio: 35% (typical for Office properties)
    • Property Value: $15,000,000

    Step 1: Calculate NOI

    NOI = 100,000 × $25.00 × (1 - 0.08) × (1 - 0.35)
    NOI = 100,000 × $25.00 × 0.92 × 0.65
    NOI = $1,495,000/year

    Step 2: Calculate Cap Rate

    Cap Rate = ($1,495,000 / $15,000,000) × 100
    Cap Rate = 9.97%

    Property Type Considerations

    Net Operating Income calculations vary by property type due to different operating expense ratios:

    • Office: Higher expenses (30-40%) for HVAC, utilities, maintenance
    • Retail: Moderate expenses (25-35%) for common area maintenance
    • Industrial/Warehouse: Lower expenses (15-25%) for minimal tenant services
    • Multifamily: Moderate expenses (35-45%) including property management
    • Self-Storage: Lower expenses (25-35%) due to minimal maintenance

    Market lease rates and vacancy rates are specific to each property type and geographic location, reflecting local market conditions.

    Disclaimer

    These calculations are estimates for informational purposes only and should not be used as a substitute for professional financial analysis or appraisal.

    • Cap Rate calculations depend on market data that may change over time
    • Actual operating expenses, lease rates, and vacancy rates may differ from market averages
    • Individual property conditions, lease terms, and tenant quality significantly impact actual NOI
    • Property value estimates are approximations and not official appraisals
    • Cap rates vary widely by market, property condition, and investment risk profile

    Professional Guidance Recommended: Before making any investment or financial decisions, consult with licensed appraisers, commercial real estate brokers, and financial advisors who can evaluate your specific property and circumstances.
    By using this feature, you acknowledge that Realmo is not responsible for investment decisions or actions taken based on these estimates.

    Cap approach

    Capitalization Method calculates value based on estimated net operating income (NOI) and applying a market-based capitalization rate (cap rate), we estimate what a typical investor might be willing to pay for it.

    Comparable approach

    Comparable estimate is based on recent sales of similar nearby properties, adjusted for factors like size, condition, and location.

    Relative

    Relative property class coefficient uses factors that account for typical price differences between various asset types (e.g., retail vs. industrial) to provide a more accurate market-aligned estimate.

    Geo

    Comparable Sales Method, enhanced by Geo coefficients — location-based adjustment factors that reflect differences in price levels across neighborhoods, cities, or regions ensuring a more accurate, market-sensitive valuation.

    Stat Estimate

    This method estimates value based on actual market adjusted recent (~5 years) sales of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all similar sales ($/sqft) are above this value
    • Range-to: 75% of all similar sales ($/sqft) are below this value
    AI Estimate

    This method estimates value based on AI market estimation of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all estimations ($/sqft) are above this value
    • Range-to: 75% of all estimations ($/sqft) are below this value
    Alternative use

    Estimate considers the property’s potential value if used for a different purpose-based on zoning, demand, and market feasibility.

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