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5122 Tall Pines Rd, Florence, WI, 54121

4beds
2baths
2,344sqft
$619,900
$264price/sqft
$4,769/moest. monthly cost
$190,760/yrincome needed

About This Home

Rare opportunity on beautiful West Lake, part of the coveted Spread Eagle Chain of Lakes, a picturesque 548-acre collection of eight interconnected lakes known for clear waters, excellent boating, watersports, kayaking, and very good fishing, all easily enjoyed right from your dock. Set on 0.75 private acres with 97 feet of waterfrontage, this turnkey property offers the perfect blend of peaceful Northwoods living and convenience, located just minutes from town and the Ford Airport. Natural daylight floods the home while expansive lake views take center stage from the primary living areas. The beautifully designed cook’s kitchen showcases high-end cabinetry, quality finishes, and exceptional functionality, flowing seamlessly into the open-concept dining and living areas with access to a spacious lakeside deck perfect for entertaining or simply soaking in the views. Offering 4 bedrooms, 1.5 baths, first-floor laundry, and an exposed lower level featuring a family room that walks out to a covered patio, this home was designed to enjoy every season. Freshly and tastefully decorated throughout with newer low-energy windows, newer roof, natural gas forced-air heat, central air, all appliances included, plus excellent storage space for all your lake toys. Dock included. Whether you’re searching for a year-round residence, upscale getaway, or investment on one of the area’s most desirable lake chains, properties like this rarely become available. Survey and list of improvements available upon request.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

6/10
7/10
Florence Middle SchoolGrades 7-84.9 mi
8/10
Florence High SchoolGrades 9-124.9 mi

Construction

Condition

  • Year built: 1949

Materials

  • Foundation: Basement
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,Conventional Frame
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range/Oven,Refrigerator,Washer,Electric Water Heater
  • Laundry features: First Floor Laundry

Basement

  • Has basement: Yes
  • Basement: Block,Full,Exterior Entry,Partially Finished,Walk-Out Access,Sump Pump,Exposed Basement

Bathroom1

  • Level: First
  • Area: 72

Bedroom1

  • Level: First
  • Area: 272

Bedroom2

  • Level: First
  • Area: 200

Bedroom3

  • Level: First
  • Area: 130

Bedroom4

  • Level: Basement
  • Area: 187

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Area: 99

Features

  • None,Pantry
  • Finished area below ground: 872
  • Finished area above ground: 1,472

Great Room

  • Level: Basement
  • Area: 598

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,853
  • Total interior livable area: 2,344 sqft

Kitchen

  • Level: First
  • Area: 196

Living Room

  • Level: First
  • Area: 198

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 010031080000
  • Zoning: Residential
  • Zoning description: Residential
  • Special condition: Private,Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Patio
  • Exterior features: Built-in Barbecue
  • Has view: Yes
  • View description: Water,Lake
  • Has water view: Yes
  • Water view: Water,Lake
  • On waterfront: Yes
  • Waterfront features: All Sports Lake,Dock/Pier Facility,Lake Front,Lake/River Access,Waterfront,Beach Access,Beach Front,Interior Lake
  • Waterbody name: West Lake
  • Frontage length: 97

Lot

  • Lot size: 0.75 Acres
  • Lot size dimensions: 97 x irreg

Parking

  • Total spaces: 3
  • Parking features: 3 or More Spaces

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
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Strong Wind
Winter Weather

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 $3,134$37,608
Home Insurance *$626$7,512
Property Taxes $789$9,468
Electricity $220$2,643
Total$4,769$57,228
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,508/yr
40% on housing$143,070/yr
45% on housing$127,173/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: 2.5%
2.5%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -8.6%
-8.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$264This listing

vs Other Active Listings

Avg $/sqft

ZIP 54121$209
Florence County$192

vs Homes Sold Last Month

Median $/sqft

ZIP 54121$108
Florence County$138

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
2026-08-10Price change$599,900
2026-07-13Price change$619,900
2026-05-26Listed for sale$639,900
2022-10-03Listing removed$475,000
2022-08-30Price change$475,000
2022-08-02Price change$495,000
2022-07-15Listed for sale$525,000
2022-06-29Contingent$525,000
2022-06-25Listed for sale$525,000
2020-06-19Sold$200,000
2018-05-29Listing removed$229,900
2017-06-02Listed for sale$229,900

For Sale by Agent

AgentLINDA PLUMLEY
BrokerageLEEDS REAL ESTATE

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