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1498 190th Ave, Balsam Lake, WI, 54810

2beds
2baths
1,220sqft
$387,000
$317price/sqft
$2,748/moest. monthly cost
$109,920/yrincome needed

About This Home

Nestled on 3.75 picturesque acres in Balsam Lake, Wisconsin, this beautifully maintained property offers the perfect blend of country charm and everyday comfort. This inviting 2-bedroom, 2-bath home has been thoughtfully cared for and is ready for its next owners to move in and enjoy. Whether you're dreaming of a hobby farm, extra space for projects, or simply room to roam, the detached garage and barn provide endless possibilities for storage, livestock, hobbies, or recreational equipment. A new well adds peace of mind and value for years to come. Ideally located just minutes from the Balsam Lake boat landing and Unity School, you'll enjoy the tranquility of country living while still being close to everything you need. Bring your ideas and make this exceptional property your own!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

5/10
Unity Elementary SchoolGrades PK-40.1 mi
7/10
Unity Middle SchoolGrades 5-80.1 mi
5/10
Unity High SchoolGrades 9-120.1 mi

Construction

Condition

  • Year built: 1920

Materials

  • Roof: Age 8 Years or Less,Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
  • Laundry features: Electric Dryer Hookup,Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Storage Space

Bedroom

  • Level: Main
  • Area: 143
  • Dimensions: 13x11

Bedroom2

  • Level: Upper
  • Area: 180
  • Dimensions: 15x12

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 210
  • Dimensions: 15x14

Features

  • Number of fireplaces: 1
  • Fireplace features: Brick,Electric,Insert,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,220

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 1,670
  • Total interior livable area: 1,220 sqft

Kitchen

  • Level: Main
  • Area: 180
  • Dimensions: 15x12

Living Room

  • Level: Main
  • Area: 180
  • Dimensions: 15x12

Property

Accessibility

  • Accessibility features: Soaking Tub

Details

  • Parcel number: 040011180000
  • Zoning description: Agriculture,Residential-Single Family
  • Foundation area: 1040

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None
  • Fencing: Wood

Lot

  • Lot size: 3.75 Acres
  • Features: Corner Lot,Tree Coverage - Medium
  • Lot size dimensions: 246 x 645(irreg)

Parking

  • Total spaces: 1
  • Parking features: Detached Garage,Gravel
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Strong Wind
Tornado
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 $1,956$23,472
Home Insurance *$224$2,688
Property Taxes $397$4,764
Electricity $171$2,054
Total$2,748$32,976
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,217/yr
40% on housing$82,440/yr
45% on housing$73,280/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: 15.7%
15.7%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$317This listing

vs Other Active Listings

Avg $/sqft

ZIP 54810$193
Polk County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 54810
Polk County$176

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)

No zestimate history available

Price History

DateEventPrice
2026-08-14Pending sale$387,000
2026-07-02Listed for sale$387,000
2020-07-10Sold$77,000
2020-06-21Pending sale$80,000
2020-06-05Price change$80,000
2020-05-13Pending sale$83,500
2020-05-09Price change$83,500
2020-05-01Price change$88,500
2020-04-04Price change$94,500
2020-03-03Listed for sale$112,500
2019-10-17Listing removed$137,500
2019-04-17Listed for sale$137,500
2009-03-12Sold$65,250
2008-09-19Sold$92,100

For Sale by Agent

AgentElizabeth Peck
BrokerageChisago Lakes Realty

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