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4120 S Pennsylvania AVENUE, Saint Francis, WI, 53235

4beds
4baths
2,602sqft
$565,000
$217price/sqft
$4,220/moest. monthly cost
$168,800/yrincome needed

About This Home

Stunning new construction w/2,400 sq. ft. of beautifully finished living space with 4 bedrooms and 4 full baths. Designed for modern living, this home features an open-concept floor plan filled with natural light, seamlessly connecting the living, dining, and kitchen areas. The kitchen boasts quartz countertops, stainless steel microwave and dishwasher, with the buyer selecting the remaining appliances. The upper level includes a spacious primary suite with a vaulted ceiling, walk-in closet, and private bath w/double vanity, plus two additional bedrooms with walk-in closets. Buyer may choose carpet from available samples. The finished lower level offers a rec room with an electric fireplace, full bath, lookout windows, abundant storage, and a deep attached 2-car garage with interior access

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

9/10
8/10
3/10
Saint Francis High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Construction materials: Aluminum Siding,Aluminum/Steel,Brick,Brick/Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Oven,Refrigerator,Washer

Basement

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

Bathroom

  • Features: Dual Entry Off Master Bedroom,Master Bedroom Bath: Tub/Shower Combo

Bedroom2

  • Level: Upper
  • Area: 132

Bedroom3

  • Level: Upper
  • Area: 121

Bedroom4

  • Level: Main
  • Area: 110

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bedrooms: 1

Heating

  • Heating features: Natural Gas,Forced Air

Interior Area

  • Total structure area: 2,602
  • Total interior livable area: 2,602 sqft

Kitchen

  • Level: Main
  • Area: 130

Living Room

  • Level: Main
  • Area: 208

Master Bedroom

  • Level: Upper
  • Area: 182

Property

Details

  • Parcel number: 5849008000
  • Zoning: RT4

Features

  • Levels: Tri-Level
  • Living area range: 2501-3000,2501 or more

Lot

  • Lot size: 10,018 sqft

Parking

  • Total spaces: 2.5
  • Parking features: Garage Door Opener,Attached,2 Car,1 Space
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5

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
  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Heat Wave
Tornado
Winter Weather
Tsunami

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 $2,856$34,272
Home Insurance *$283$3,396
Property Taxes $837$10,044
Electricity $244$2,934
Total$4,220$50,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$144,685/yr
40% on housing$126,600/yr
45% on housing$112,533/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: -2.2%
-2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$217This listing

vs Other Active Listings

Avg $/sqft

ZIP 53235$244
Milwaukee County$146

vs Homes Sold Last Month

Median $/sqft

ZIP 53235$193
Milwaukee County$187

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
2026-07-13Listed for sale$565,000
2020-06-19Sold$1,000
2013-12-17Listing removed$287,700
2013-11-08Listed for sale$287,700
2013-06-24Listing removed$262,000
2013-02-02Listed for sale$262,000

New Construction

AgentCharese Gardner
BrokerageGardner & Associates Real Estate and Investment Firm

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