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20529 Round Lake Rd, Luck, WI, 54853

4beds
4baths
4,064sqft
$1,500,000
$369price/sqft
$10,467/moest. monthly cost
$418,680/yrincome needed

About This Home

Set on 300 feet of Round Lake shoreline across two parcels, this beautiful retreat is anchored by an architecture that leans into its surroundings rather than imposing on them. A vaulted great room where floor-to-ceiling windows bring all eyes onto the lake and the large stone gas fireplace and the grand floating staircase make for a memorable first impression! The stairs made of half-log treads and a custom twig railing — is indicative of the detail that went into sculpting this home to honor nature. Soapstone counters and a farmhouse sink ground the kitchen; reclaimed barn wood runs underfoot. The dining room opens to a screened porch straight out of a magazine and the main-level primary suite offers a private deck, soaking tub, separate shower, dual vanity, and mosaic tile floors. The second floor loft offers magical views, additional living space and 2 bedrooms and a full bath. The walk-out lower level delivers a full Wisconsin bar experience with an environmental twist: PaperStone counters. You’ll love the billiards area, dedicated exercise room, slate tile floors, and a fourth bedroom with direct patio access. Sustainability runs deep here — geothermal heating and cooling, in-floor heat, a metal roof, and beautiful recycled and reclaimed materials. Outside: a long lake-facing deck, paver patio, fire pit, pollinator garden, stone steps, and beautiful lakeshore teaming with nature. Take a closer look and a few more steps and you’ll come to a stream winding through the second parcel. Eagles and cranes are regulars; bears have made appearances. Luck itself rewards the curious. Danish in heritage, it sits at the heart of the Gandy Dancer State Trail — 47 miles open to biking, hiking, and snowmobiling — and hosts the Boston-qualifying Gandy Marathon each fall. A 15-minute drive to St. Croix Falls, and roughly an hour to the Twin Cities. A home with this level of intentional design doesn't come along often. This is lake life with a bow to its exceptional setting.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

8/10
4/10
Frederic 6-12 SchoolGrades 6-125.7 mi

Construction

Condition

  • Year built: 2008

Materials

  • Roof: Metal
  • Construction materials: Log

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Cooktop,Dishwasher,Double Oven,Dryer,Electronic Air Filter,Electric Water Heater,ENERGY STAR Qualified Appliances,Exhaust Fan,Microwave,Refrigerator,Stainless Steel Appliance(s),Wall Oven,Washer,Water Softener Owned,Wine Cooler
  • Laundry features: In Hall,Main Level

Basement

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

Bedroom

  • Level: Lower
  • Area: 255
  • Dimensions: 15x17

Bedroom2

  • Level: Main
  • Area: 238
  • Dimensions: 14x17

Bedroom3

  • Level: Upper
  • Area: 252
  • Dimensions: 18x14

Bedroom4

  • Level: Upper
  • Area: 195
  • Dimensions: 15x13

Bedrooms & Bathrooms

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

Deck

  • Level: Main
  • Area: 704
  • Dimensions: 16x44

Deck

  • Level: Main
  • Area: 180
  • Dimensions: 18x10

Dining Room

  • Level: Main
  • Area: 168
  • Dimensions: 12x14

Exercise Room

  • Level: Lower
  • Area: 240
  • Dimensions: 20x12

Features

  • Number of fireplaces: 2
  • Fireplace features: Family Room,Gas,Living Room,Stone
  • Fireplace: Yes
  • Finished area below ground: 1,513
  • Finished area above ground: 2,551

Heating & Cooling

  • Heating features: Forced Air,Geothermal,In-Floor Heating
  • Cooling features: Geothermal

Interior Area

  • Total structure area: 4,196
  • Total interior livable area: 4,064 sqft

Kitchen

  • Level: Main
  • Area: 154
  • Dimensions: 11x14

Laundry

  • Level: Main
  • Area: 117
  • Dimensions: 9x13

Living Room

  • Level: Main
  • Area: 351
  • Dimensions: 27x13

Loft

  • Level: Upper
  • Area: 308
  • Dimensions: 22x14

Mud Room

  • Level: Main
  • Area: 240
  • Dimensions: 20x12

Recreation Room

  • Level: Lower
  • Area: 918
  • Dimensions: 34x27

Screened Porch

  • Level: Main
  • Area: 290
  • Dimensions: 29x10

Utility Room

  • Level: Lower
  • Area: 150
  • Dimensions: 15x10

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 070342371827505002014100
  • Zoning description: Shoreline,Residential-Single Family
  • Foundation area: 1645

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck,Patio,Screened,Side Porch,Wrap Around
  • Fencing: None
  • Has view: Yes
  • View description: Lake,West
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake Bottom(Gravel,Sand)
  • Frontage length: Water Frontage: 300

Lot

  • Lot size: 5.28 Acres
  • Features: Irregular Lot,Tree Coverage - Medium
  • Lot size dimensions: irregular

Parking

  • Total spaces: 2
  • Parking features: Attached,Gravel,Garage Door Opener,Heated Garage,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Hail
Strong Wind
Inland Flooding
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 $7,584$91,008
Home Insurance *$913$10,956
Property Taxes $1,589$19,068
Electricity $381$4,582
Total$10,467$125,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$358,868/yr
40% on housing$314,010/yr
45% on housing$279,120/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: 6.8%
6.8%
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

$369This listing

vs Other Active Listings

Avg $/sqft

ZIP 54853$204
Burnett County$173

vs Homes Sold Last Month

Median $/sqft

ZIP 54853
Burnett County$181

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
2026-08-13Price change$1,395,000
2026-06-12Price change$1,500,000
2023-04-07Pending sale$1,395,000
2023-03-31Sold$1,095,000
2022-10-01Listed for sale$1,395,000

For Sale by Agent

AgentAnne E. Anderson
BrokerageeXp Realty

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