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W1082 Spencer Road, Spencer, WI, 54446

2beds
1baths
928sqft
$209,900
$226price/sqft
$1,575/moest. monthly cost
$63,000/yrincome needed

About This Home

Find yourself in the peace and privacy of country living with this charming 2-bedroom, 1 bath home situated on 2.2 beautiful acres. This inviting property offers the perfect blend of comfort and open space, making it ideal as a full-time residence, weekend retreat, or investment property. As a bonus the property has giant oaks with other trees making a small section of woods. Inside you will find a cozy and functional layout filled with natural light and enjoy the comfort of central air. Outside, enjoy the expansive yard with plenty of room for gardening, recreation, pets, or future additions. The detached garage provides ample room for vehicles, equipment, storage or a workshop. Whether you're relaxing on the property, enjoying the surrounding countryside, or taking advantage of the endless possibilities the garage offers, this home is ready to welcome it's new owner. Experience the tranquility of rural living while still being within easy reach of nearby amenities. Don't miss the opportunity to make this country gem your own.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

5/10
Spencer Elementary SchoolGrades PK-53.6 mi
5/10

Construction

Condition

  • Property condition: 21+ Years
  • Year built: 1959

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range/Oven,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Full,Block,Concrete

Bedroom2

  • Level: Main
  • Area: 96

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 928

Heating & Cooling

  • Heating features: Oil,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 928
  • Total interior livable area: 928 sqft

Kitchen

  • Level: Main
  • Area: 154

Living Room

  • Level: Main
  • Area: 192

Master Bedroom

  • Level: Main
  • Area: 132

Property

Details

  • Parcel number: 048.0053.000
  • Zoning: Residential

Features

  • Levels: One
  • Stories: 1
  • Living area range: 751-1000

Lot

  • Lot size: 2.20 Acres
  • Lot size dimensions: 417 x 230 x

Parking

  • Total spaces: 2
  • Parking features: 2 Car,Detached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather
Heat Wave
Ice Storm

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 $1,061$12,732
Home Insurance *$134$1,608
Property Taxes $209$2,508
Electricity $171$2,054
Total$1,575$18,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,000/yr
40% on housing$47,250/yr
45% on housing$42,000/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: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$226This listing

vs Other Active Listings

Avg $/sqft

ZIP 54446$127
Clark County$148

vs Homes Sold Last Month

Median $/sqft

ZIP 54446
Clark County$123

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
2026-08-10Contingent$209,900
2026-07-23Listed for sale$209,900
2014-05-06Sold$92,000
2013-11-19Price change$95,500
2013-10-18Listed for sale$98,500

For Sale by Agent

AgentDerrick Backaus
BrokerageLandGuys, LLC of Wisconsin

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