River Front Retreat at 657 Waterloo Road - Welcome to 20+ irrigated acres of Montana beauty-where rustic elegance meets outdoor paradise. Nestled between Twin Bridges and Whitehall, this unique 2,842 sq ft timber frame and stucco home offers rare Jefferson River frontage with a meandering slough creating a natural border. Surrounded by mature trees and lush shrubs, the setting is a haven for wildlife including deer, foxes, pheasants, waterfowl, and more-perfect for nature lovers, photographers, and outdoor enthusiasts. Step inside to radiant in-floor heat with both stained concrete and Douglas fir wood floors, and beautifully tiled bathrooms. The main level hosts a spacious master suite, while upstairs you'll find two additional bedrooms, full baath and a dedicated music studio with inspiring views. The cozy kitchen is complete with a Vermont Castings wood stove-ideal for warm gatherings on cool Montana evenings. Enjoy sweeping views of Manhead Mountain in the Tobacco Root range from the covered porch, or explore the lush irrigated meadows that surround the property. Equestrians will appreciate the charming vintage barn and room to ride, while hobbyists and entrepreneurs will love the brand-new shop with 220 amp service, heated office, and room to work or create. A breezeway connects the main home to a fully functional bunkhouse-great for guests, extended family, or additional creative space. And with the Jefferson River just steps from your back door, world-class fishing is literally at your fingertips. Though located in a flood-prone area, the home is on an approved building site and currently insured for just $1,200/year in flood insurance-peace of mind in paradise. The homesite was engineered and surveyed to be out of the floodway and home was approved for 4 bedroom septic. The setting is private with a maintained county road access. The vintage barns are from an old farmstead that existed before the older homestead was torn down. A new shop with 220 Amp service was built in 2017 and has a separate room which can be heated for office or studio and is metered separately from the main home. If you're looking for unmatched serenity, character, and a true Montana lifestyle, this is it.