Income Qualified, New-Build Community Land Trust Homes on the Northside of Missoula
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Application Period Feb. 9-March 27 for the below-market-rate homes at Ravara!
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 plain text document].
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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 by May 2026. We’ll schedule walk-throughs before any selected applicants commit to a purchase!
All interior photos are intended to demonstrate finishes and design. As studios, 1-bedrooms, and 2-bedrooms all differ in layout, these photos may not reflect the final layout of each individual home. Sample furnishings are not included in home sales.
Contact us any time with questions: info@frontstepclt.org
Available Now
Site plan with 2026 new buildings highlighted in yellow. Click image to enlarge
Ravara Homes facing Scott Street
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
$176,000-$199,000
Clean, modern, spacious layouts with energy efficient appliances and ample natural lighting.
Monthly fees: $50 ground lease, HOA $TBD
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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. A two-person household income limit is about $94,000, for example. Find your AMI level here.
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Sizes: 476-715 gross square feet, not including patios or balconies
G-101 Studio + $199,000
H-101 Studio $176,000
H-105 Studio (with patio) $184,000
H-201 Studio $176,000
H-205 Studio (with balcony) $184,000
H-301 Studio $176,000
H-305 Studio (with balcony) $184,000
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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
$241,598
Clean, modern, spacious layouts with energy efficient appliances and ample natural lighting.
Monthly fees: $50 ground lease, HOA $TBD
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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. A two-person household income limit is about $94,000, for example. Find your AMI level here.
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individual floor plans and patio/balcony details coming soon
Size: 705-859 gross square footage, not including patios or balconies
G-102 1 Bedroom $241,598
G-202 1 Bedroom $241,598
H-103 1 Bedroom* ADA Accessible $241,598
H-203 1 Bedroom $241,598
H-204 2 Bedroom $286,736
H-303 1 Bedroom $241,598
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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
$286,736
Clean, modern, spacious layouts with energy efficient appliances and ample natural lighting.
Monthly fees: $50 ground lease, HOA $TBD
-
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. A two-person household income limit is about $94,000, for example. Find your AMI level here.
-
individual floor plans and patio/balcony details coming soon
Sizes: 1,000-1,200 gross square footage
G-104 2 Bedroom $286,736
G-203 2 Bedroom $286,736
G-204 2 Bedroom $286,736
G-303 2 Bedroom $286,736
G-304 2 Bedroom $286,736
H-102 2 Bedroom* ADA Accessible $286,736
H-202 2 Bedroom $286,736
H-304 2 Bedroom $286,736
-
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)