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N11145 Oak Ln, Elcho, WI, 54428

2beds
1baths
1,300sqft
$275,000
$212price/sqft
$1,893/moest. monthly cost
$75,720/yrincome needed

About This Home

Enjoy the peace and beauty of Wisconsin's Northwoods with this beautifully updated 2-bedroom, 1-bath ranch home in the desirable Elcho area. Ideally located just minutes from Upper and Lower Post Lake, you'll have easy access to outstanding fishing, boating, swimming, and year-round recreation while enjoying the affordability and privacy of an off-water property. This move-in-ready home has seen extensive cosmetic updates, creating a warm, inviting space that's perfect for full-time living, a weekend getaway, or retirement. The convenient single-level floor plan features main floor laundry, comfortable living spaces, and a layout designed for easy everyday living. Car enthusiasts, hobbyists, and outdoor lovers will appreciate the impressive garage space. In addition to the attached 2-car garage, the property also includes a spacious 2+ car detached garage, providing plenty of room for vehicles, boats, snowmobiles, ATVs, tools, and workshop space. A garden shed offers even more storage for lawn and garden equipment. Step outside to enjoy the peaceful Northwoods setting from the charming gazebo, an ideal spot for morning coffee, evening relaxation, or entertaining family and friends. The yard provides room to garden, play, or simply enjoy the abundant wildlife and natural surroundings. Located in the heart of the Northwoods, this property offers quick access to thousands of acres of public land, snowmobile and ATV trails, hunting, hiking, and countless nearby lakes. The nearby Post Lake Chain is one of Langlade County's premier recreational destinations, while Antigo, Rhinelander, and Crandon are all within an easy drive for shopping, dining, and everyday conveniences. Whether you're looking for a low-maintenance year-round residence or the perfect Northwoods retreat with exceptional garage space and recent updates, this property is one you won't want to miss. Schedule your private showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

7/10
Elcho Elementary SchoolGrades PK-54.6 mi
7/10
Elcho Middle SchoolGrades 6-84.6 mi
8/10
Elcho High SchoolGrades 9-124.6 mi

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Block
  • Roof: Composition,Shingle
  • Construction materials: Frame,Metal Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,One Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Oven,Electric Range,Electric Water Heater,Microwave,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bathroom

  • Level: First

Bedroom

  • Level: First
  • Dimensions: 13'5x11

Bedroom

  • Level: First
  • Dimensions: 13'5x12

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Dimensions: 20x8

Features

  • Flooring: Carpet
  • Fireplace features: Free Standing,Wood Burning
  • Finished area below ground: 0
  • Finished area above ground: 1,300

Heating & Cooling

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

Interior Area

  • Total structure area: 1,300
  • Total interior livable area: 1,300 sqft

Kitchen

  • Level: First
  • Dimensions: 15x13'10

Living Room

  • Level: First
  • Dimensions: 22'4x13'3

Property

Details

  • Parcel number: 0082189 0082189
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Other,Paved Driveway
  • Frontage length: 0,0

Lot

  • Lot size: 1.54 Acres
  • Features: Cul-De-Sac,Level,Rural Lot,Wooded

Parking

  • Total spaces: 4
  • Parking features: Attached,Detached,Garage
  • Has garage: Yes
  • Has uncovered spaces: Yes

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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
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 $1,390$16,680
Home Insurance *$142$1,704
Property Taxes $190$2,280
Electricity $171$2,054
Total$1,893$22,716
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,902/yr
40% on housing$56,790/yr
45% on housing$50,480/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: 12.3%
12.3%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$212This listing

vs Other Active Listings

Avg $/sqft

ZIP 54428$228
Langlade County$171

vs Homes Sold Last Month

Median $/sqft

ZIP 54428
Langlade 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
2026-08-17Price change$259,000
2026-08-13Listed for sale$275,000
2026-08-13Contingent$275,000
2026-07-30Listed for sale$275,000
2023-04-28Sold$200,000
2023-04-24Pending sale$219,000
2023-03-20Contingent$219,000
2022-11-14Listed for sale$219,000

For Sale by Agent

AgentMATT WALLMOW
BrokerageLAKELAND REALTY

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