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5231 N Bay Ridge AVENUE, Whitefish Bay, WI, 53217

3beds
2baths
1,684sqft
$575,000
$341price/sqft
$3,912/moest. monthly cost
$156,480/yrincome needed

About This Home

Charm meets modern convenience in this beautifully refreshed Whitefish Bay Cape Cod! From the moment you step inside, you will be greeted by a sun-drenched living room featuring an oversized picture window that fills the home with warm, natural light. Hardwood floors glide effortlessly into the formal dining room, setting the perfect stage for hosting dinner parties or casual family weeknights. Beyond the dining space, a massive rear family room anchored by built-in shelving offers the ultimate footprint for relaxation, movie nights, or a dedicated play area.

Getting Around

36
WalkingCar-Dependent
0
TransitVery Limited Transit
58
BikeBikeable

Schools

10/10
10/10
10/10
Whitefish Bay High SchoolGrades 9-120.8 mi

Construction

Condition

  • Property condition: 21+ Years
  • Year built: 1946

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Oven,Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom

  • Features: Master Bedroom Bath

Bedroom2

  • Level: Main
  • Area: 132

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 117

Family Room

  • Level: Main
  • Area: 336

Heating

  • Heating features: Natural Gas,Forced Air

Interior Area

  • Total structure area: 1,684
  • Total interior livable area: 1,684 sqft

Kitchen

  • Level: Main
  • Area: 130

Living Room

  • Level: Main
  • Area: 208

Master Bedroom

  • Level: Upper
  • Area: 240

Property

Details

  • Parcel number: 1970209000
  • Zoning: res
  • Exclusions: Seller's Personal Property.

Features

  • Levels: Two
  • Stories: 2
  • Living area range: 1501-1750

Lot

  • Lot size: 5,227 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Detached,2 Car
  • 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 WaveRelatively High
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Heat Wave
Tsunami

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 $2,907$34,884
Home Insurance *$226$2,712
Property Taxes $608$7,296
Electricity $171$2,054
Total$3,912$46,944
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$134,125/yr
40% on housing$117,360/yr
45% on housing$104,320/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -2.2%
-2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$341This listing

vs Other Active Listings

Avg $/sqft

ZIP 53217$293
Milwaukee County$146

vs Homes Sold Last Month

Median $/sqft

ZIP 53217$242
Milwaukee County$187

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
2026-08-08Price change$545,000
2026-07-17Listed for sale$575,000
2025-07-29Listing removed$3,300
2025-07-15Listed for rent$3,300
2024-05-17Listing removed--
2024-03-19Listed for rent$3,150
2023-12-15Sold$295,000
2023-11-20Pending sale$315,000
2023-11-16Price change$315,000
2023-11-02Listed for sale$350,000

For Sale by Agent

AgentPatrick Simonis
BrokerageReal Broker Milwaukee

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