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406 Melby St, Westby, WI, 54667

2beds
2baths
1,479sqft
$172,000
$116price/sqft
$1,308/moest. monthly cost
$52,320/yrincome needed

About This Home

This little cutie has a few interior projects to tackle, but it's completely livable. Major updates have already been completed, including a new roof, siding, gutters, a support beam in the basement/crawlspace, a sump pump, and most of the basement has been water-barriered for added moisture protection. The tall ceilings inside make it seem extra spacious. The 2 bedrooms are upstairs, plus a walk-through room that can be converted into a bedroom or private space with the addition of a wall. A smaller room could be used as an office or future bedroom (non-conforming). Out back, you'll find a nice-sized yard with a wood privacy fence, back alley access, and an old shed with a lean-to that would be great for storage or tinkering. It could use a new roof. A nice park is nearby, and downtown is close enough to walk to and enjoy local coffee shops, good food, and all the little things that make small-town living so welcoming.

Getting Around

50
WalkingSomewhat Walkable
0
TransitVery Limited Transit
60
BikeBikeable

Schools

7/10
Westby Middle SchoolGrades 5-80.3 mi
2/10
Westby High SchoolGrades 9-120.3 mi
6/10
Westby Elementary SchoolGrades PK-40.5 mi

Construction

Condition

  • Year built: 1920

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partial,Crawl Space,Sump Pump

Bedroom2

  • Level: Upper
  • Area: 110

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 192

Features

  • At Least 1 tub,Den/Office,Bonus Room
  • Number of fireplaces: 1
  • Fireplace features: 1 fireplace
  • Fireplace: Yes
  • Finished area above ground: 1,479

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,479
  • Total interior livable area: 1,479 sqft

Kitchen

  • Features: Range/Oven,Refrigerator,Dishwasher,Microwave
  • Level: Main
  • Area: 132

Living Room

  • Level: Main
  • Area: 209

Master Bedroom

  • Level: Upper
  • Area: 121

Property

Details

  • Parcel number: 291002430000
  • Zoning: Res
  • Other equipment: Dehumidifier
  • Exclusions: Sellers personal items

Features

  • Levels: One and One Half
  • Stories: 1
  • Fencing: Fenced

Lot

  • Lot size: 10,018 sqft
  • Features: Sidewalk

Parking

  • Parking features: No Garage,Alley Access
  • 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
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
Heat Wave
Landslide
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 $869$10,428
Home Insurance *$82$984
Property Taxes $186$2,232
Electricity $171$2,054
Total$1,308$15,696
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,845/yr
40% on housing$39,240/yr
45% on housing$34,880/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

$116This listing

vs Other Active Listings

Avg $/sqft

ZIP 54667$81
Vernon County$204

vs Homes Sold Last Month

Median $/sqft

ZIP 54667
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)

Price History

DateEventPrice
2026-08-04Contingent$172,000
2026-07-31Listed for sale$172,000
2018-08-11Sold$107,500
2018-07-02Pending sale$107,900
2018-06-20Price change$107,900
2018-06-17Listed for sale$114,500
2015-01-15Sold$42,500
2014-11-11Price change$47,900
2014-10-04Price change$49,900
2014-09-27Price change$52,000
2014-09-17Price change$54,900
2014-08-28Price change$56,500
2014-08-06Price change$57,500
2014-07-17Price change$58,500
2014-07-02Price change$59,500
2014-06-10Price change$60,500
2014-05-21Price change$61,500
2014-04-29Price change$63,000
2014-04-03Listed for sale$65,000
2014-01-27Listing removed$59,900
2014-01-26Price change$59,900
2014-01-22Price change$10,000
2014-01-18Price change$59,900
2014-01-15Price change$10,000
2014-01-04Listed for sale$59,900
2005-10-03Sold$79,090

For Sale by Agent

AgentAmy Matthews
BrokerageCentury 21 Affiliated

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