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9146 Chippewa Pines Way, Winter, WI, 54896

2beds
2baths
1,745sqft
$469,900
$269price/sqft
$3,291/moest. monthly cost
$131,640/yrincome needed

About This Home

Escape to your own private Northwoods retreat! Enjoy this four-season home in a true four-season destination. Lovingly maintained and enjoyed as a second home for the past 26 years, this impeccably kept property offers peace, privacy, and endless outdoor recreation. Relax on the screened porch while listening to the soothing sounds of the nearby river, or step out your back door to enjoy exceptional hunting. This unique property provides access to both East Forks of the Chippewa River and also borders the Chequamegon National Forest, giving you thousands of acres to explore for hiking, hunting, fishing, ATVing, snowmobiling, and more. Inside, the open-concept floor plan features a spacious dining area and two fireplaces that provide warmth, ambiance, and backup heat. The walkout lower level offers potential for additional bedrooms or expanded living space, and the home could easily be converted into a three-bedroom property. The spacious lot provides ample room to build an outbuilding. The property has been perc tested to accommodate a mound system, though one was never installed due to the owners' seasonal use. Some personal property will remain with the home, making your transition even easier. Conveniently located less than 50 minutes from Hayward, under 40 minutes from Park Falls, and less than an hour from Ladysmith, this is a rare opportunity to own a truly serene Northwoods getaway where you can relax, unwind, and enjoy everything the area has to offer.

Getting Around

33
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

5/10
Winter Elementary SchoolGrades PK-50.1 mi
3/10
Winter Middle SchoolGrades 6-80.1 mi
6/10
Winter High SchoolGrades 9-120.1 mi

Construction

Condition

  • Year built: 1999

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dryer,Microwave,Other,Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished,Walk-Out Access

Bathroom

  • Level: Main
  • Area: 80
  • Dimensions: 8x10

Bathroom

  • Level: Upper
  • Area: 72
  • Dimensions: 9x8

Bedroom

  • Level: Main
  • Area: 132
  • Dimensions: 11x12

Bedroom2

  • Level: Upper
  • Area: 195
  • Dimensions: 13x15

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 110
  • Dimensions: 10x11

Family Room

  • Level: Upper
  • Area: 228
  • Dimensions: 19x12

Features

  • Number of fireplaces: 2
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 572
  • Finished area above ground: 1,173

Heating & Cooling

  • Heating features: Forced Air,Other
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 1,745
  • Total interior livable area: 1,745 sqft

Kitchen

  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Laundry

  • Level: Main
  • Area: 80
  • Dimensions: 8x10

Living Room

  • Level: Main
  • Area: 224
  • Dimensions: 14x16

Other

  • Level: Lower
  • Area: 220
  • Dimensions: 11x20

Recreation Room

  • Level: Lower
  • Area: 352
  • Dimensions: 32x11

Screened Porch

  • Level: Main
  • Area: 168
  • Dimensions: 14x12

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 7165
  • Zoning description: Residential-Single Family
  • Foundation area: 1173

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Porch,Screened
  • On waterfront: Yes
  • Waterfront features: River Front
  • Frontage length: Water Frontage: 161

Lot

  • Lot size: 5.61 Acres
  • Lot size dimensions: 0 x 0

Parking

  • Parking features: Gravel

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
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Hail
Inland Flooding
Lightning

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 $2,376$28,512
Home Insurance *$191$2,292
Property Taxes $553$6,636
Electricity $171$2,054
Total$3,291$39,492
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,834/yr
40% on housing$98,730/yr
45% on housing$87,760/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

$269This listing

vs Other Active Listings

Avg $/sqft

ZIP 54896$215
Sawyer County$234

vs Homes Sold Last Month

Median $/sqft

ZIP 54896
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
2026-07-25Price change$469,900
2026-07-02Listed for sale$484,900

For Sale by Agent

AgentMary F Rufledt
BrokerageElite Realty Group, LLC

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