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12978 Fawn Trl, Manitowish Waters, WI, 54545

4beds
4baths
4,000sqft
$1,900,000
$475price/sqft
$12,380/moest. monthly cost
$495,200/yrincome needed

About This Home

Don't miss out on this beautiful home on the 10 lake Manitowish Waters chain! 105 feet of West facing frontage that is across from state land to catch all the gorgeous sunsets! Chalet style home with primary bedroom, second bedroom, kitchen, sunroom. and laundry on the main level. Updated kitchen has maple flooring, plenty of counter space, dishwasher, gas cooktop and built in oven. Living room boasts cathedral wood ceilings, knotty pine and a wall of windows. Sunroom off living room is a perfect place to relax and enjoy the view as well. Seller has made numerous improvements recently including updated kitchen, new roof, ductless air conditioners, generator so power outages are no problem, garage addition and an absolutely stunning Benson gas fireplace for those cozy fall and winter evenings. Fully finished lower level has full bath two bedrooms (no egress) bonus room, storage room, utility room and a huge family room. The updated 30 x42 detached garage is big enough for all your Northwoods toys. This is truly a turnkey opportunity! Seller is leaving almost everything, including 2 shore stations, one pontoon, furnishings and household goods. All you have to do is show up and enjoy all the Chain has to offer. Call for a showing before it's snapped up!!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

10/10
2/10
Lakeland High SchoolGrades 9-1217.9 mi

Construction

Condition

  • Year built: 1990

Materials

  • Roof: Composition,Shingle
  • Construction materials: Frame,Log Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Oven,Cooktop,Dishwasher,Gas Water Heater,Microwave,Refrigerator,Washer/Dryer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Finished

Bathroom

  • Level: First

Bathroom

  • Level: Basement

Bathroom

  • Level: First

Bathroom

  • Level: First

Bedroom

  • Level: First
  • Dimensions: 10x12

Bedroom

  • Level: Basement
  • Dimensions: 13'6x12'6

Bedroom

  • Level: Basement
  • Dimensions: 12'6x11'6

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Bonus Room

  • Level: Basement
  • Dimensions: 9x10

Dining Room

  • Level: First
  • Dimensions: 10'6x13

Family Room

  • Level: Basement
  • Dimensions: 27x26

Features

  • Ceiling Fan(s),Cathedral Ceiling(s),High Ceilings,Bath in Primary Bedroom,Main Level Primary,Vaulted Ceiling(s)
  • Flooring: Carpet,Laminate,Wood
  • Number of fireplaces: 1
  • Fireplace features: Multiple
  • Fireplace: Yes
  • Finished area below ground: 1,700
  • Finished area above ground: 2,300

Heating

  • Heating features: Hot Water,Natural Gas

Interior Area

  • Total structure area: 4,000
  • Total interior livable area: 4,000 sqft

Kitchen

  • Level: First
  • Dimensions: 15x13

Laundry

  • Level: First
  • Dimensions: 5'5x9'9

Living Room

  • Level: First
  • Dimensions: 18'9x24'7

Master Bedroom

  • Level: First
  • Dimensions: 14'3x14'7

Sunroom

  • Level: First
  • Dimensions: 10'4x14'2

Property

Details

  • Parcel number: 1650104

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Open
  • Exterior features: Boat Lift,Dock,Dog Run,Landscaping,Shed,Gravel Driveway
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Shoreline - Sand,Boat Ramp/Lift Access,Lake Front
  • Waterbody name: FAWN
  • Frontage type: Lakefront
  • Frontage length: 105,105

Lot

  • Lot size: 1.54 Acres
  • Features: Lake Front,Open Space,Rural Lot,Sloped,Views

Parking

  • Total spaces: 2
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather
Hail

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 $9,607$115,284
Home Insurance *$892$10,704
Property Taxes $1,506$18,072
Electricity $375$4,510
Total$12,380$148,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$424,457/yr
40% on housing$371,400/yr
45% on housing$330,133/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: 5.9%
5.9%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$475This listing

vs Other Active Listings

Avg $/sqft

ZIP 54545$693
Vilas County$267

vs Homes Sold Last Month

Median $/sqft

ZIP 54545
Vilas County$198

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
2026-06-29Price change$1,900,000
2026-05-23Listed for sale$2,000,000
2012-12-21Sold$562,500

For Sale by Agent

AgentSHERI BENSON
BrokerageUP-NORTH LIVING REAL ESTATE LLC

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