2195 18 3/8 Avenue, Rice Lake, WI, 54868
About This Home
Welcome to your own private lakeside retreat on beautiful Lake Montanis. Situated on over 2.10 acres with more than 250 feet of frontage, this exceptional home offers a refined blend of comfort, privacy, and breathtaking waterfront views. From the beautifully landscaped grounds, multi-zone lawn irrigation system, paver driveway, and spacious paver patio to the inviting outdoor entertaining areas, every detail has been thoughtfully designed. Inside, expansive windows fill the spacious living and dining areas with natural light while showcasing peaceful lake views. A beautiful stone fireplace, originally wood-burning and later converted to gas, adds warmth, character, and timeless appeal. The kitchen flows seamlessly from the main living area and features beautiful cabinetry and generous workspace. Central air on the main level provides added comfort during the warmer months. The main-level primary suite offers a spacious walk-in closet, private bathroom, and patio door leading toward the lakefront. Main-level laundry adds everyday convenience. Upstairs, you will find two additional bedrooms and a full bathroom. The walkout lower level includes a large family room, office, half bathroom, abundant storage, and versatile spaces that allow buyers to get creative. Whether envisioning guest accommodations, additional sleeping space, a fitness room, or a hobby area. The attached heated 3-car garage provides ample room for vehicles, while the detached garage offers valuable additional storage for lake toys, equipment, workshop needs, or recreational gear. With expansive frontage, a beautifully maintained yard, peaceful lake views, and exceptional outdoor living spaces, this remarkable property offers the lake lifestyle you have been dreaming of. All just minutes from downtown Rice Lake, shopping, restaurants, healthcare, and more.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: 21+ Years
- Year built: 1984
Materials
- Construction materials: Steel Siding,Stucco
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Range/Oven,Refrigerator
Basement
- Has basement: Yes
- Basement: Partial,Partially Finished,Walk-Out Access,Block
Bedroom2
- Level: Upper
- Area: 208
Bedroom3
- Level: Main
- Area: 210
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 2
- 1/2 bathrooms: 2
- Main level bedrooms: 1
Family Room
- Level: Upper
- Area: 180
Features
- Other,High Speed Internet
- Finished area below ground: 900
- Finished area above ground: 2,512
Heating & Cooling
- Heating features: Electric,Natural Gas,Other,Baseboard,Forced Air
- Cooling features: Central Air,Other
Interior Area
- Total structure area: 3,412
- Total interior livable area: 3,412 sqft
Kitchen
- Level: Main
- Area: 165
Living Room
- Level: Main
- Area: 308
Master Bedroom
- Level: Upper
- Area: 143
Property
Details
- Parcel number: 038340020000
- Zoning: Residential,Shoreline
- Exclusions: Excluded:dryer,Excluded:sellers Personal,Excluded:washer
Features
- Levels: One and One Half
- Stories: 1
- On waterfront: Yes
- Waterfront features: 200-300 feet,Bottom-Sand,Dock/Pier,Lake,Waterfront
- Waterbody name: Montanis
- Living area range: 3001-3500
Lot
- Lot size: 2.11 Acres
- Lot size dimensions: 0 x 0 x
Parking
- Total spaces: 3
- Parking features: 3 Car,Attached
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Strong Wind
- Hail
- Heat Wave
- Lightning
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Wisconsin Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,500 | $54,000 |
| Home Insurance * | $542 | $6,504 |
| Property Taxes | $1,374 | $16,488 |
| Electricity | $320 | $3,847 |
| Total | $6,736 | $80,832 |
Income You'd Need if You Spent...
Wisconsin FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-14 | Price change | $795,000 |
| 2026-06-11 | Listed for sale | $890,000 |
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