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237 N Main St, Cottage Grove, WI, 53527

2beds
1baths
1,092sqft
$430,000
$394price/sqft
$3,270/moest. monthly cost
$130,800/yrincome needed

About This Home

Rare opportunities like this don't come along often! Nestled on an incredible 1.6-acre lot in the heart of Cottage Grove, this charming 2-bedroom, 1-bath ranch offers a property that's nearly impossible to find within village limits. Whether you've dreamed of creating your own backyard oasis, adding gardens, hosting gatherings, or simply enjoying wide-open green space, this expansive lot provides endless room to make it your own. Inside, you'll find a cozy, inviting home, while outside you'll enjoy the privacy and freedom that only a property of this size can offer. All this, just minutes from parks, shopping, restaurants, and with convenient access to major highways for an easy commute. Experience the perfect balance of in-town convenience and the spacious feel of country living—properties like this are truly one of a kind!

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
51
BikeBikeable

Schools

4/10
Glacial Drumlin SchoolGrades 6-81.3 mi
7/10
Monona Grove High SchoolGrades 9-126.3 mi

Construction

Condition

  • Year built: 1960

Materials

  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Partial

Bedroom2

  • Level: Main
  • Area: 132

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 80

Features

  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 1,092

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 1,092
  • Total interior livable area: 1,092 sqft

Kitchen

  • Level: Main
  • Area: 90

Living Room

  • Level: Main
  • Area: 192

Master Bedroom

  • Level: Main
  • Area: 110

Property

Details

  • Parcel number: 071109398800
  • Zoning: Res
  • Exclusions: Sellers personal property

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 1.63 Acres

Parking

  • Total spaces: 1
  • Parking features: 1 car,Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 WaveRelatively High
  • Hail
    HailRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Tornado
Heat Wave
Strong Wind
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 $2,174$26,088
Home Insurance *$145$1,740
Property Taxes $780$9,360
Electricity $171$2,054
Total$3,270$39,240
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,114/yr
40% on housing$98,100/yr
45% on housing$87,200/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$394This listing

vs Other Active Listings

Avg $/sqft

ZIP 53527$240
Dane County$251

vs Homes Sold Last Month

Median $/sqft

ZIP 53527$230
Dane County$246

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
2026-07-22Listed for sale$430,000

For Sale by Agent

AgentKyle J Broom
BrokerageY Realty

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