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519 W Oak STREET, Sparta, WI, 54656

3beds
1baths
1,133sqft
$234,895
$207price/sqft
$1,768/moest. monthly cost
$70,720/yrincome needed

About This Home

From the moment you step inside, you'll appreciate the warmth and character of this inviting 3-bedroom, 1-bath home. Fresh paint throughout and beautiful maple hardwood floors create a bright, welcoming feel, while the kitchen features a NEW luxury vinyl plank floor. All three bedrooms and the full bath are located on the second floor, offering a comfortable and functional layout. The full basement provides excellent storage, and the attached insulated 1-car garage adds everyday convenience. Outside, enjoy a deep backyard complete with a fire pit and garden shed--perfect for relaxing or entertaining. Conveniently located just blocks from downtown, schools, shopping, and the hospital, this move-in-ready home is one you won't want to miss! Buyer and buyer's agent to verify all measurements.

Getting Around

75
WalkingVery Walkable
0
TransitVery Limited Transit
52
BikeBikeable

Schools

3/10
Sparta ElementaryGrades 1-40.9 mi
3/10
Sparta High SchoolGrades 9-120.5 mi

Construction

Condition

  • Property condition: 21+ Years
  • Year built: 1939

Materials

  • Construction materials: Aluminum Siding,Aluminum/Steel,Other,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Farmhouse/National Folk
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Oven,Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Block,Full

Bathroom

  • Features: Shower Over Tub

Bedroom2

  • Level: Upper
  • Area: 140

Bedroom3

  • Level: Upper
  • Area: 108

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: Main
  • Area: 110

Features

  • Walk-In Closet(s)
  • Flooring: Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,133

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,133
  • Total interior livable area: 1,133 sqft

Kitchen

  • Level: Main
  • Area: 90

Living Room

  • Level: Main
  • Area: 234

Master Bedroom

  • Level: Upper
  • Area: 150

Property

Details

  • Parcel number: 281014550000
  • Zoning: Residential
  • Exclusions: Seller's Personal Property

Features

  • Levels: Two
  • Stories: 2
  • Living area range: 1001-1250

Lot

  • Lot size: 5,227 sqft
  • Features: Sidewalks

Parking

  • Total spaces: 1
  • Parking features: Basement Access,Garage Door Opener,Attached,1 Car
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
Heat Wave
Lightning
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 $1,187$14,244
Home Insurance *$129$1,548
Property Taxes $281$3,372
Electricity $171$2,054
Total$1,768$21,216
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,617/yr
40% on housing$53,040/yr
45% on housing$47,146/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$207This listing

vs Other Active Listings

Avg $/sqft

ZIP 54656$184
Monroe County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 54656
Monroe County$147

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
2026-07-08Listed for sale$234,895

For Sale by Agent

AgentMarta Volden
BrokerageColdwell Banker River Valley, REALTORS

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