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8078N Dream Catcher Road #6 & 7, Hayward, WI, 54843

4beds
2baths
2,112sqft
$489,000
$232price/sqft
$3,258/moest. monthly cost
$130,320/yrincome needed

About This Home

Experience the best of the Chippewa Flowage from this unique lakefront condominium property featuring two units, sold at one affordable price. Located in the quieter waters of Princess Bay, this versatile retreat offers shared sandy frontage with low elevation to the water, an exclusive dock, and room for multiple boats. Together, the property offers 4 bedrooms and 2 baths, with each unit featuring its own kitchen, living area, bathroom, and bedroom(s). The upper level unit has 3 bedrooms and 1 bath, the lower level walkout unit has 1 bedroom and 1 bathroom. Whether you're looking for a spacious family getaway, private guest accommodations, or the opportunity for short- or long-term rentals, this flexible layout offers endless possibilities. The oversized 30' x 40' garage provides abundant storage for boats, vehicles, and recreational gear, and includes a 30' x 18' insulated and heated workshop is ideal for hobbies, projects, or additional gathering space. Additional highlights include newer metal roofs on both buildings, fiber optic internet, an on-site boat launch, direct snowmobile trail access, and the potential to construct an additional accessory building (buyer to verify with zoning). Boat to nearby restaurants, enjoy world-class fishing and recreation, and experience everything the legendary Chippewa Flowage has to offer?all just 20 minutes from Hayward and less than three hours from the Twin Cities.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
5/10
Hayward Middle SchoolGrades 6-811.0 mi
6/10
Hayward High SchoolGrades 9-1210.9 mi

Construction

Condition

  • Property condition: 21+ Years
  • Year built: 1967

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Range/Oven,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access,Block

Bedroom2

  • Level: Main
  • Area: 120

Bedroom3

  • Level: Main
  • Area: 108

Bedroom4

  • Level: Lower
  • Area: 117

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Family Room

  • Level: Lower
  • Area: 900

Features

  • Window features: Some window coverings
  • Finished area below ground: 1,056
  • Finished area above ground: 1,056

Heating

  • Heating features: Propane,Forced Air

Interior Area

  • Total structure area: 2,112
  • Total interior livable area: 2,112 sqft

Kitchen

  • Level: Main
  • Area: 117

Living Room

  • Level: Main
  • Area: 143

Master Bedroom

  • Level: Main
  • Area: 120

Property

Details

  • Parcel number: 40958
  • Zoning: Recreational,Residential
  • Exclusions: Excluded:dryer,Excluded:lp Tank,Excluded:microwave,Excluded:washer

Features

  • Levels: One,1 Story
  • Stories: 1
  • Patio & porch: Deck,Patio
  • On waterfront: Yes
  • Waterfront features: 200-300 feet,Bottom-Rock,Bottom-Sand,Shore-Beach,Common Frontage,Flowage,Waterfront
  • Waterbody name: Chippewa
  • Living area range: 2001-2500

Lot

  • Lot size dimensions: 0 x 0 x

Parking

  • Total spaces: 3
  • Parking features: 3 Car,Detached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Winter Weather
Inland Flooding

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 $2,472$29,664
Home Insurance *$275$3,300
Property Taxes $313$3,756
Electricity $198$2,381
Total$3,258$39,096
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,702/yr
40% on housing$97,740/yr
45% on housing$86,880/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -3.1%
-3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$232This listing

vs Other Active Listings

Avg $/sqft

ZIP 54843$230
Sawyer County$235

vs Homes Sold Last Month

Median $/sqft

ZIP 54843
Sawyer County$208

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
2026-07-23Listed for sale$489,000

For Sale by Agent

AgentAudrey Miller
BrokerageNorthwest Wisconsin Realty Team

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