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16544 W McGraw Road, Hayward, WI, 54843

4beds
2baths
3,096sqft
$550,000
$178price/sqft
$3,808/moest. monthly cost
$152,320/yrincome needed

About This Home

Nestled on approximately 5 wooded acres just outside Hayward, this beautifully maintained 4-bedroom, 2-bath home offers the perfect blend of privacy, comfort, and modern updates. Step inside to an open-concept main level featuring vaulted ceilings, abundant natural light, a spacious kitchen with breakfast bar seating, and a dining area that opens to a relaxing screened porch overlooking the peaceful backyard. The main level offers three bedrooms, including a spacious primary bedroom, along with a full bath and convenient main floor laundry. Downstairs you?ll find a finished walkout lower level with an expansive family room, custom wet bar, fourth bedroom, full bathroom, and plenty of storage, creating an ideal space for entertaining family and friends. Outside, the property continues to impress with a detached two-car garage, beautifully landscaped yard, and plenty of room to enjoy the surrounding Northwoods setting. Whether you?re looking for a year-round residence or a weekend retreat, this property offers the privacy of country living while remaining just minutes from Hayward?s lakes, trails, restaurants, and amenities. If you?re marketing to the Hayward area buyer, I?d also emphasize that it sits on approximately 5 acres, giving buyers room for recreational vehicles, gardening, hobby farming, or simply enjoying the quiet Northwoods lifestyle.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

7/10
5/10
Hayward Middle SchoolGrades 6-85.7 mi
6/10
Hayward High SchoolGrades 9-125.5 mi

Construction

Condition

  • Property condition: 21+ Years
  • Year built: 2001

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range/Oven,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Daylight,Partially Finished,Concrete

Bedroom2

  • Level: Main
  • Area: 182

Bedroom3

  • Level: Main
  • Area: 195

Bedroom4

  • Level: Lower
  • Area: 210

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: Main
  • Area: 126

Features

  • Finished area below ground: 1,329
  • Finished area above ground: 1,767

Heating & Cooling

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

Interior Area

  • Total structure area: 3,096
  • Total interior livable area: 3,096 sqft

Kitchen

  • Level: Main
  • Area: 182

Living Room

  • Level: Main
  • Area: 494

Master Bedroom

  • Level: Main
  • Area: 182

Property

Details

  • Parcel number: Part of 43581
  • Zoning: Agricultural
  • Exclusions: Excluded:sellers Personal

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Screened porch
  • Living area range: 3001-3500

Lot

  • Lot size: 5 Acres
  • Lot size dimensions: 0 x 0 x

Parking

  • Total spaces: 2
  • Parking features: 2 Car,Detached
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather
Hail
Tornado

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 $2,781$33,372
Home Insurance *$309$3,708
Property Taxes $428$5,136
Electricity $290$3,491
Total$3,808$45,696
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,560/yr
40% on housing$114,240/yr
45% on housing$101,546/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -3.1%
-3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$178This listing

vs Other Active Listings

Avg $/sqft

ZIP 54843$233
Sawyer County$236

vs Homes Sold Last Month

Median $/sqft

ZIP 54843
Sawyer County$208

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)

No zestimate history available

Price History

DateEventPrice
2026-08-12Price change$499,900
2026-07-08Listed for sale$550,000

For Sale by Agent

AgentTy Wiley
BrokerageArea North Realty Inc

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