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440 Church Ave, Oshkosh, WI, 54901

7beds
2baths
2,951sqft
$279,900
$95price/sqft
$2,263/moest. monthly cost
$90,520/yrincome needed

About This Home

Lots of upgrades have been done to this nicely appointed duplex. One example is a newly poured basement floor. See the seller improvements sheet for additional information. All utilities are separate and are paid by the tenants. Current rents total $2990 per month. Located near downtown and UWO and across from the Winnebago County courthouse. Other Rm in unit 2 is a finished attic space/bedroom area.

Getting Around

70
WalkingSomewhat Walkable
39
TransitSome Transit
62
BikeBikeable

Schools

3/10
Read Elementary SchoolGrades K-50.8 mi
4/10
6/10
North High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1893

Materials

  • Foundation: Stone
  • Construction materials: Shake Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,951

Heating

  • Heating features: Radiant

Interior Area

  • Total interior livable area: 2,951 sqft

Property

Accessibility

  • Accessibility features: 1st Floor Bedroom

Details

  • Parcel number: 0702330000
  • Zoning: 2 Family/Duplex
  • Exclusions: personal property of the tenants and seller

Lot

  • Lot size: 4,791 sqft
  • Features: Near Bus Line,Sidewalk

Parking

  • Parking features: Outside

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
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Strong Wind
Tornado
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 $1,415$16,980
Home Insurance *$145$1,740
Property Taxes $426$5,112
Electricity $277$3,327
Total$2,263$27,156
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,588/yr
40% on housing$67,890/yr
45% on housing$60,346/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: 8.3%
8.3%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$95This listing

vs Other Active Listings

Avg $/sqft

ZIP 54901$129
Winnebago County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 54901$150
Winnebago County$169

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
2026-06-18Listed for sale$279,900
2022-09-08Listing removed--
2022-08-28Price change$1,195
2022-08-26Listed for rent$1,295
2022-08-06Listing removed--
2022-08-06Pending sale$229,900
2022-07-07Sold$234,000
2022-05-19Contingent$229,900
2022-05-10Listed for sale$229,900
2022-02-01Sold$155,000
2021-01-27Listed for sale$165,000
2019-12-31Listing removed$195,000
2019-03-15Listed for sale$195,000

For Sale by Agent

AgentMike Dorsey
BrokerageRE/MAX On The Water

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