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300 N Garden St, Ontario, WI, 54651

1beds
2baths
1,060sqft
$144,000
$136price/sqft
$1,160/moest. monthly cost
$46,400/yrincome needed

About This Home

Take a look at this updated home in the peaceful Village of Ontario. This home offers a fully renovated main floor and exterior. The upstairs offers an additional ~500 sq ft of potential living area. The upstairs renovation has been started and needs your imagination and finishing touches. Located in a desirable village with excellent schools. Located in the Driftless Area, Ontario is nearby the Kickapoo River, Wildcat Mountain State Park and the Kickapoo Valley Reserve.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

5/10
Brookwood High SchoolGrades 7-122.6 mi

Construction

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: National Folk/Farm
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 144

Features

  • Finished area above ground: 1,060

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 1,060
  • Total interior livable area: 1,060 sqft

Kitchen

  • Level: Main
  • Area: 144

Living Room

  • Level: Main
  • Area: 144

Master Bedroom

  • Level: Main
  • Area: 144

Property

Details

  • Parcel number: 165001420000
  • Zoning: Residentia
  • Exclusions: All personal property

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck,Porch

Lot

  • Lot size: 0.27 Acres

Parking

  • Parking features: No Garage
  • 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 FloodingVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Landslide
    LandslideRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Hail
Heat Wave
Landslide
Strong Wind
Tornado
Ice Storm
Lightning
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 $728$8,736
Home Insurance *$65$780
Property Taxes $196$2,352
Electricity $171$2,054
Total$1,160$13,920
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$39,771/yr
40% on housing$34,800/yr
45% on housing$30,933/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: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$136This listing

vs Other Active Listings

Avg $/sqft

ZIP 54651$269
Vernon County$205

vs Homes Sold Last Month

Median $/sqft

ZIP 54651
Vernon County$167

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
2026-08-04Pending sale$144,000
2026-07-29Price change$144,000
2026-06-04Listed for sale$159,000
2022-12-13Sold$120,000
2021-01-10Listing removed--
2020-11-27Listed for sale$125,000
2019-10-07Sold$30,000
2018-05-31Sold$20,000

For Sale by Agent

AgentThomas Kotten
BrokerageWinding Rivers Realty

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