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1066 Cedaroma Dr, Saint Germain, WI, 54558

2beds
3baths
1,847sqft
$999,900
$541price/sqft
$6,247/moest. monthly cost
$249,880/yrincome needed

About This Home

Rare opportunity to secure a great income producing lakefront home on Little Saint Germain Lake! This 2 bedroom, 3 bath home offers great access with 102' of level, sandy frontage. The spacious living area features a cozy fireplace, and expansive windows that frame stunning lake views, filling the home with natural light. The open concept to the kitchen flows seamlessly while showcasing the scenic waterfront setting. You'll find 2 bedrooms on the main floor including a large master with lake view, and large walk-in tile shower. The other bedroom has a bath off it's doorway. There's a fantastic front porch off the front of the main floor that looks right at the lake. The fully finished lower level offers a walkout along with a large room that serves as a combined living and sleeping area, a separate bunkhouse area for the kids, and full bath. This comes fully furnished, and is absolutely turnkey with built in rental income. Outside, you'll find a detached 2 car garage, and there's even a pontoon in the shed waiting for you.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Materials

  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bathroom

  • Level: First

Bathroom

  • Level: First

Bathroom

  • Level: Basement

Bedroom

  • Level: First
  • Dimensions: 10x11

Bedroom

  • Level: First
  • Dimensions: 12x15

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 3

Family Room

  • Level: Basement
  • Dimensions: 16x24

Features

  • Number of fireplaces: 1
  • Fireplace features: Stone
  • Fireplace: Yes
  • Finished area below ground: 608
  • Finished area above ground: 1,239

Heating

  • Heating features: Propane

Interior Area

  • Total structure area: 1,847
  • Total interior livable area: 1,847 sqft

Kitchen

  • Level: First
  • Dimensions: 12x15

Laundry

  • Level: First
  • Dimensions: 8x10

Living Room

  • Level: First
  • Dimensions: 15x17

Loft

  • Level: First
  • Dimensions: 10x10

Property

Details

  • Parcel number: 24244171

Features

  • On waterfront: Yes
  • Waterbody name: LITTLE ST GERMAIN
  • Frontage length: 102,102

Lot

  • Lot size: 0.76 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage,Two Car Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather
Hail

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 $5,056$60,672
Home Insurance *$325$3,900
Property Taxes $693$8,316
Electricity $173$2,082
Total$6,247$74,964
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$214,182/yr
40% on housing$187,410/yr
45% on housing$166,586/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: 5.9%
5.9%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$541This listing

vs Other Active Listings

Avg $/sqft

ZIP 54558$162
Vilas County$266

vs Homes Sold Last Month

Median $/sqft

ZIP 54558
Vilas County$198

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
2026-04-30Listed for sale$999,900
2022-10-24Listing removed--
2022-10-24Listed for sale$879,900
2022-08-01Contingent$879,900
2022-05-12Listed for sale$879,900

For Sale by Agent

AgentPETER SEIFERT
BrokerageFIRST WEBER - BESSEMER

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