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537 N Pearl St, River Falls, WI, 54022

2beds
2baths
1,280sqft
$400,000
$313price/sqft
$2,834/moest. monthly cost
$113,360/yrincome needed

About This Home

Welcome to this spacious 1,280 sq. ft. rambler with 2 bedrooms, 2 baths, a walk-in closet, granite countertops, stainless steel appliances, and abundant storage. Enjoy the welcoming front porch, mature trees, and extra-large 3-stall garage. The unfinished lower level offers space for 2 additional bedrooms and a bath. Conveniently located just minutes from downtown, UWRF, parks, and schools.

Getting Around

54
WalkingSomewhat Walkable
0
TransitVery Limited Transit
55
BikeBikeable

Schools

6/10
7/10
Meyer Middle SchoolGrades 6-80.9 mi
9/10
River Falls High SchoolGrades 9-121.8 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Age 8 Years or Less

Other

  • Builder name: JENKINS HOME BUILDERS INC

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Egress Window(s),Unfinished

Bedroom

  • Level: Main
  • Area: 148.5
  • Dimensions: 13.5 x 11

Bedroom2

  • Level: Main
  • Area: 141.75
  • Dimensions: 13.5 x 10.5

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: Main
  • Area: 165
  • Dimensions: 16.5 x 10

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,280

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,560
  • Total interior livable area: 1,280 sqft

Kitchen

  • Level: Main
  • Area: 181.25
  • Dimensions: 14.5 x 12.5

Living Room

  • Level: Main
  • Area: 239.25
  • Dimensions: 16.5 x 14.5

Porch

  • Level: Main
  • Area: 112
  • Dimensions: 16 x 7

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 276101695000
  • Zoning description: Residential-Single Family
  • Foundation area: 1280

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch

Lot

  • Lot size: 6,534 sqft
  • Lot size dimensions: 45 x 147

Parking

  • Total spaces: 3
  • Parking features: Attached
  • 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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
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 $2,022$24,264
Home Insurance *$141$1,692
Property Taxes $500$6,000
Electricity $171$2,054
Total$2,834$34,008
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,165/yr
40% on housing$85,020/yr
45% on housing$75,573/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: 7.5%
7.5%
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

$313This listing

vs Other Active Listings

Avg $/sqft

ZIP 54022$260
St. Croix County$203

vs Homes Sold Last Month

Median $/sqft

ZIP 54022$206
St. Croix County$204

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
2026-07-27Listed for sale$400,000

New Construction

AgentSarah J Jenkins
BrokerageProperty Executives Realty

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