Under contract with a BUMP CLAUSE - BRING OFFERS! This exceptional property captures authentic Montana appeal: privacy in a natural setting, outdoor-oriented features, outstanding HOA Swan Lake and River access and enjoyment, and prime proximity to Bigfork's best. Discover the serene charm of Montana living in this exceptionally well-maintained 4-bedroom, 3-bath home spanning 2,400 sq ft with vaulted ceilings on a secluded 3.13 acre entirely usable parcel along with an immense 3000+ SF garage/shop. The thoughtful layout includes dual living spaces for both shared relaxation and quiet private times with many desirable added features. Positioned conveniently close to wonderful downtown Bigfork, the shores of Swan Lake, and the nearby Flathead Lake, this secluded haven blends a private personal retreat with quick access to top-tier outdoor activities, local eateries, and the inviting atmosphere of the best that Bigfork and the Flathead Valley have to offer, with Glacier National Park as the crown jewel beckoning from beyond.

? Community homeowners benefit from membership in the Swan Sites HOA granting exclusive enjoyment of five shared common areas along Swan Lake and the Swan River. These include multiple gated access points with swimming beaches, picnic tables, BBQs and boat launch facilities and a dedicated fishing area.

? A standout feature of the property is the expansive shop/garage, perfect for housing boats, RVs, toys, and projects. In two practical sections: a modern 40’x40’ bay with tall 16' walls, a generous 16'x14' overhead door, and a 12'x12' door; alongside an insulated 48’x32’ section featuring a 12'x12' door, wood stove for cozy warmth, and an air compressor. The rented propane tank can supply additional heating, as desired. (Note: covenants and zoning prevent commercial activities, protecting the residential area.)
? An acre of the backyard is fenced for a private playground and retreat featuring a fun play structure, an inground trampoline, and an above-ground pool for all-ages enjoyment. An orchard garden boasts 3 apple trees, 1 pear tree, and a whimsical peanut butter tree (Harlequin Glorybower—its shiny leaves release a surprising peanut butter aroma when crushed, delighting the child in everyone!). Spring will bring forth the lush landscape plantings of lilacs, hydrangeas, peonies, and established trees (fir, larch, birch, and even a Brighter Blooms Ivory Silk Japanese Lilac Tree!) that frame the space, while frequent wildlife visitors including many deer add to the natural oasis feel, with subtle peekaboo glimpses of mountains through the eastern canopy.
? Step out to the expansive full-width covered patio at the rear—ideal for year-round barbecues, outdoor dining, and soaking in the views. Modern upgrades include smart lighting, Ecobee smart thermostat, an energy-efficient air-source heat pump system with electric backup (delivering a very comfortable home in four seasons), and a reliable private well at 12 GPM. There are Ring Doorbells at two doors.
? Embrace your Montana dream here with space, serenity, recreation, and community access all in one unbeatable spot!

? Property Tax Notice: Starting in tax year 2026, Montana laws (HB 231 & SB 542) will increase taxes on non-owner-occupied residential properties (e.g., second homes and short-term rentals) and commercial properties. Buyers should understand that current tax assessments may change with new ownership, depending on factors such as owner occupancy, rental rates for investment properties, or other criteria outlined in state law. Buyers are encouraged to contact the county assessor with specific questions or consult a tax advisor or real estate attorney to understand potential impacts. Information deemed reliable but not warranted by listing office or the listing agent. Buyers & agents are advised to conduct their own due diligence.