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651 N Wisconsin St, Berlin, WI, 54923

4beds
1baths
2,137sqft
$499,000
$234price/sqft
$3,471/moest. monthly cost
$138,840/yrincome needed

About This Home

Rare opportunity to own a farmhouse on over 19 acres in the City of Berlin with more than 1,500 feet of frontage on the Fox River. This four bedroom, one bath home offers space, privacy, and an incredible waterfront setting. The home reflects its age and will require updating throughout. Several outbuildings, including an old barn, provide ample storage and added utility. The mix of open land and river frontage creates excellent opportunities for recreation and privacy. Properties with this much land and Fox River frontage are rarely available. Seller is willing to demolish and remove the white block building prior to closing at buyer request.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

4/10
Berlin Middle SchoolGrades 6-80.7 mi
5/10
Berlin High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1936

Materials

  • Foundation: Block,Poured Concrete,Stone
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom1

  • Level: Main
  • Dimensions: 10X10

Bedroom2

  • Level: Upper
  • Dimensions: 11X10

Bedroom3

  • Level: Upper
  • Dimensions: 11X8

Bedroom4

  • Level: Upper
  • Dimensions: 10X9

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: Main
  • Dimensions: 9X11

Features

  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 2,137

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Forced Air

Interior Area

  • Total interior livable area: 2,137 sqft

Kitchen

  • Level: Main
  • Dimensions: 10X11

Living Room

  • Level: Main
  • Dimensions: 14X18

Other

  • Level: Main
  • Dimensions: 4X11

Other

  • Level: Upper
  • Dimensions: 11X7

Property

Accessibility

  • Accessibility features: 1st Floor Bedroom,1st Floor Full Bath

Details

  • Parcel number: 206033440110
  • Zoning: Residential
  • Exclusions: Sellers personal property.

Features

  • On waterfront: Yes
  • Waterfront features: River
  • Waterbody name: Fox River

Lot

  • Lot size: 19.38 Acres

Parking

  • Total spaces: 1
  • Parking features: Attached
  • 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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado
Heat Wave
Inland Flooding
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 $2,523$30,276
Home Insurance *$192$2,304
Property Taxes $556$6,672
Electricity $200$2,409
Total$3,471$41,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,005/yr
40% on housing$104,130/yr
45% on housing$92,560/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: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 54923$155
Waushara County$198

vs Homes Sold Last Month

Median $/sqft

ZIP 54923
Waushara County$155

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
2026-03-05Price change$499,000
2026-01-09Price change$539,000
2025-12-05Listed for sale$589,000

For Sale by Agent

AgentKyle J Schoonover
BrokerageBase Camp Country Real Estate, Inc

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