Income Qualified, New-Build Community Land Trust Homes on the Northside of Missoula
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Available Now
Applications now first-come, first serve
Map: 1120 Charlo and 1140 Charlo St
This project represents a years-long collaboration between Front Step and several other stakeholders to create more attainable housing in Missoula. Ravara includes both market-rate homes and permanently attainable homes through our community land trust. The homes are part of a planned community which intends to include a small neighborhood grocery, restaurant, a coffee shop, office space, and other neighborhood amenities.
Find more details about each unit type and how to apply below, or view the Ravara Information Sheet [Google Docs].
Jump to:
Studios [note that Studio+ is sold out]
2-Bedrooms [Limited availability]
How the Community Land Trust Model Works
The community land trust model separates the cost of the land from the cost of the home, which helps reduce the purchase price and protect affordability for future buyers.
In a CLT:
You own the home. The house is yours, just like any other home you would purchase with a mortgage.
The land is held by a nonprofit trust. The trust owns the land beneath the home to ensure long-term affordability.
You lease the land long-term. Homeowners sign a long-term, renewable ground lease that provides security and property rights.
Our model keeps homes permanently off the speculative market while still allowing homeowners to build equity and gain housing stability.
The first homes are scheduled to be move-in ready in summer 2026. If your application is selected, you’ll be able to do a site tour before committing to a purchase!
All interior photos are intended to demonstrate finishes and design, and may not reflect the final layout of each individual home.
Contact us any time with questions: info@frontstepclt.org
Ravara Homes facing Scott Street
Thank you to financial partner First Security Bank!
Exteriors and Sample Interiors
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Exterior
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Bedroom
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![Bathroom]()
Bathroom
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![Living]()
Living
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![Kitchen]()
Kitchen
Studios
$177,000-$200,990
Clean, modern, spacious layouts with energy efficient appliances and ample natural lighting.
Monthly fees: $50 ground lease, HOA $250
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These studios are available to homebuyers earning up to 120% of the Area Median Income. This number changes depending on how much you earn and how many people live with you. Find your AMI level here.
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Several homes going under contract. Contact us for availability!
H-101 Studio $176,000 473 sq ft [floor plan]
H-105 Studio (with patio) 473 sq ft $184,000 [floor plan]
H-201 Studio $176,000 473 sq ft
H-205 Studio (with patio) $184,000 473 sq ft
H-301 Studio $176,000 473 sq ft
H-305 Studio (with patio) $184,000 473 sq ft
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Applicant Asset Limits: $100,000 limit for non-retirement assets.
Owner-Occupancy:
Must be used as primary residence 9 months out of the year and cannot be used a short-term rental.
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When a CLT home is resold:
The homeowner receives the equity they have built, including mortgage paydown and a portion of market appreciation.
The resale price is limited by a clear formula, ensuring the home remains within reach for future income-qualified buyers.
The trust helps connect the seller with a new homeowner.
This approach balances individual wealth-building with long-term community benefit.
Maximum Resale Value: Calculated by 1.5% appreciation each year of homeownership
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They do! Choose your own lender or check out Front Step’s approved lender list. Lenders on Front Step’s list are familiar with the community land trust.
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Start by completing the screening form available through Front Step CLT’s Resources for Homebuyers. You’ll then be guided through the application process by our stewardship manager. After March 27, we’ll conduct a weighted drawing. Selected applicants will pick their preference of unit and tour the homes before committing to any purchase!
Studio floor plans (Link to larger image)
1-Bedrooms
$230,280
Clean, modern, spacious layouts with energy efficient appliances and ample natural lighting.
Monthly fees: $50 ground lease, HOA $282
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These studios are available to homebuyers earning up to 120% of the Area Median Income. This number changes depending on how much you earn and how many people live with you. Find your AMI level here.
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individual floor plans and patio/balcony details coming soon
Gross square footage does not include patios or balconies
G-202 1 Bedroom $241,598 859 sq ft
H-103 1 Bedroom* $241,598 692 sq ft
H-203 1 Bedroom $241,598 692 sq ft
H-303 1 Bedroom $241,598 692 sq ft
*ADA Accessible
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Applicant Asset Limits: $100,000 limit for non-retirement assets.
Owner-Occupancy:
Must be used as primary residence 9 months out of the year and cannot be used a short-term rental.
-
When a CLT home is resold:
The homeowner receives the equity they have built, including mortgage paydown and a portion of market appreciation.
The resale price is limited by a clear formula, ensuring the home remains within reach for future income-qualified buyers.
The trust helps connect the seller with a new homeowner.
This approach balances individual wealth-building with long-term community benefit.
Maximum Resale Value: Calculated by 1.5% appreciation each year of homeownership
-
They do! Choose your own lender or check out Front Step’s approved lender list. Lenders on Front Step’s list are familiar with the community land trust.
-
Start by completing the screening form available through Front Step CLT’s Resources for Homebuyers. You’ll then be guided through the application process by our stewardship manager. After March 27, we’ll conduct a weighted drawing. Selected applicants will pick their preference of unit and tour the homes before committing to any purchase!
1-Bedroom Building G Floor Plans (Link to larger image)
1-Bedroom Building H Floor Plans (Link to larger image)
2-Bedrooms
$262,600
Clean, modern, spacious layouts with energy efficient appliances and ample natural lighting.
Monthly fees: $50 ground lease, HOA $318
-
These studios are available to homebuyers earning up to 120% of the Area Median Income. This number changes depending on how much you earn and how many people live with you. Find your AMI level here.
-
individual floor plans and patio/balcony details coming soon
Gross square footage doesn’t include patios or balconies
G-104 2 Bedroom $286,736 1185 sq ft
G-203 2 Bedroom $286,736 1185 sq ft
G-304 2 Bedroom $286,736 1185 sq ft
H-202 2 Bedroom $286,736 1047 sq ft
H-204 2 Bedroom $286,736 1047 sq ft
H-304 2 Bedroom $286,736 1047 sq ft
*ADA Accessible
-
Applicant Asset Limits: $100,000 limit for non-retirement assets.
Owner-Occupancy:
Must be used as primary residence 9 months out of the year and cannot be used a short-term rental.
-
When a CLT home is resold:
The homeowner receives the equity they have built, including mortgage paydown and a portion of market appreciation.
The resale price is limited by a clear formula, ensuring the home remains within reach for future income-qualified buyers.
The trust helps connect the seller with a new homeowner.
This approach balances individual wealth-building with long-term community benefit.
Maximum Resale Value: Calculated by 1.5% appreciation each year of homeownership
-
They do! Choose your own lender or check out Front Step’s approved lender list. Lenders on Front Step’s list are familiar with the community land trust.
-
Start by completing the screening form available through Front Step CLT’s Resources for Homebuyers. You’ll then be guided through the application process by our stewardship manager. After March 27, we’ll conduct a weighted drawing. Selected applicants will pick their preference of unit and tour the homes before committing to any purchase!
2-Bedroom Building G Floor Plans (Link to larger image)
2-Bedroom Building H Floor Plans (Link to larger image)