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19720 Pioneer Road, Cable, WI, 54821

3beds
3baths
2,041sqft
$535,000
$262price/sqft
$3,811/moest. monthly cost
$152,440/yrincome needed

About This Home

A true Northwoods retreat, this century-old log home blends historic character, thoughtful updates and exceptional privacy on 40 wooded acres surrounded by national forest on three sides. The original log home features a charming living room with a wood-burning stone fireplace, an enclosed porch and a spacious modern kitchen. Later expansions added a generous dining room with wood stove, three bedrooms, two baths and a walkout lower level with family room and additional bath. A more recent sunroom addition opens to an outdoor deck overlooking the yard, woods and quiet forest setting beyond. The former farmstead includes a collection of useful and character-filled outbuildings, including a rustic guest cabin, detached four-car garage, small horse barn and large metal storage building. The acreage offers room for private trails, hunting, wildlife watching and year-round outdoor enjoyment. Public trails for cross-country skiing, mountain biking, snowmobiling and ATV riding are nearby, along with convenient access to boat landings on Diamond Lake, Crystal Lake and Lake Namekagon. A distinctive property offering space, privacy, recreation and classic Northwoods appeal.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

7/10
4/10
5/10
Drummond High SchoolGrades 9-127.2 mi

Construction

Condition

  • Property condition: 21+ Years
  • Year built: 1926

Materials

  • Construction materials: Log

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Partially Finished,Walk-Out Access,Block,Concrete

Bedroom2

  • Level: Main
  • Area: 170

Bedroom3

  • Level: Main
  • Area: 323

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Dining Room

  • Level: Main
  • Area: 255

Family Room

  • Level: Lower
  • Area: 220

Features

  • Finished area below ground: 489
  • Finished area above ground: 1,552

Heating

  • Heating features: Propane,Wood,Baseboard,Forced Air,In-floor,Radiant

Interior Area

  • Total structure area: 2,041
  • Total interior livable area: 2,041 sqft

Kitchen

  • Level: Main
  • Area: 220

Living Room

  • Level: Main
  • Area: 286

Master Bedroom

  • Level: Main
  • Area: 224

Property

Details

  • Parcel number: 16847
  • Zoning: Residential
  • Exclusions: Excluded:sellers Personal

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Living area range: 2001-2500

Lot

  • Lot size: 40 Acres
  • Lot size dimensions: 0 x 0 x

Parking

  • Total spaces: 4
  • Parking features: 4 Car,Detached
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
    Cold WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Winter Weather
Inland Flooding
Lightning
Strong Wind
Hail
Tsunami

FEMA Declared Disasters Across Wisconsin Counties

Flood
Severe Storm

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

MonthlyAnnual
Mortgage $2,705$32,460
Home Insurance *$414$4,968
Property Taxes $501$6,012
Electricity $191$2,301
Total$3,811$45,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,662/yr
40% on housing$114,330/yr
45% on housing$101,626/yr

Wisconsin FAIR Plan Programs

Wisconsin Insurance Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 5,246Commercial: 198
Total Premiums$4.55M
Total Exposure$860.28M

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.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -3.3%
-3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$262This listing

vs Other Active Listings

Avg $/sqft

ZIP 54821$291
Bayfield County$275

vs Homes Sold Last Month

Median $/sqft

ZIP 54821
Bayfield County$147

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

DateEventPrice
2026-06-30Listed for sale$535,000

For Sale by Agent

AgentScott McKinney
BrokerageMcKinney Realty LLC

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