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7 S Rural Street, Chippewa Falls, WI, 54729

2beds
1baths
1,048sqft
$165,000
$157price/sqft
$1,229/moest. monthly cost
$49,160/yrincome needed

About This Home

Affordable opportunity in a convenient Chippewa Falls location! This home features a new roof in 2025 and huge wood-fenced backyard with plenty of space for pets, play, gardening, or outdoor gatherings. Off-street parking is easily accessible from the alley, and you'll love being close to downtown amenities, parks, restaurants, shopping, and everyday conveniences. Whether you're looking for a place to call home or a great investment opportunity, this property is worth a look!

Getting Around

56
WalkingSomewhat Walkable
0
TransitVery Limited Transit
58
BikeBikeable

Schools

4/10
5/10
6/10

Construction

Condition

  • Property condition: 21+ Years
  • Year built: 1889

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Cellar,Stone

Bedroom2

  • Level: Upper
  • Area: 165

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,048

Heating

  • Heating features: Natural Gas,Baseboard

Interior Area

  • Total structure area: 1,048
  • Total interior livable area: 1,048 sqft

Kitchen

  • Level: Main
  • Area: 80

Living Room

  • Level: Main
  • Area: 165

Master Bedroom

  • Level: Main
  • Area: 77

Property

Details

  • Parcel number: 228080523600115603A
  • Exclusions: Excluded:other-See Remarks,Excluded:sellers Personal,Excluded:tenants Personal

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Screened porch
  • Living area range: 1001-1250

Lot

  • Lot size: 3,920 sqft
  • Lot size dimensions: 124 x 33 x 124 x 33

Parking

  • Parking features: No Garage

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 WindVery High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Hail
Inland Flooding
Lightning
Tornado
Winter Weather
Heat Wave
Ice Storm

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 $834$10,008
Home Insurance *$62$744
Property Taxes $162$1,944
Electricity $171$2,054
Total$1,229$14,748
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$42,137/yr
40% on housing$36,870/yr
45% on housing$32,773/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$157This listing

vs Other Active Listings

Avg $/sqft

ZIP 54729$191
Chippewa County$203

vs Homes Sold Last Month

Median $/sqft

ZIP 54729$165
Chippewa County$152

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
2026-07-22Price change$165,000
2026-06-22Listed for sale$172,000
2023-06-12Sold$147,900
2023-06-05Pending sale$149,900
2023-05-10Contingent$149,900
2023-05-06Listed for sale$149,900
2022-08-12Sold$114,500
2022-07-01Contingent$109,900
2022-06-24Listed for sale$109,900
2019-12-03Sold$79,900
2019-09-27Price change$79,900
2019-06-10Price change$74,900
2019-04-03Listed for sale$79,900
2016-08-03Sold$59,000
2007-09-28Sold$68,000

For Sale by Agent

AgentEthan Trowbridge
BrokerageeXp Realty LLC

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