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12158W Twin Lake Road, Hayward, WI, 54843

4beds
2baths
1,363sqft
$299,000
$219price/sqft
$2,031/moest. monthly cost
$81,240/yrincome needed

About This Home

Nestled on 10 beautiful acres in a great location, this fixer upper is bursting with potential. Situated between Round Lake and the Tiger Cat Flowage, this property offers the perfect blend of privacy, recreation, and convenience. The existing home features 2 bedrooms and 1 bathroom, with an unfinished basement ready to be transformed into additional living space to suit your needs. Outside, you'll find an attached 2 car garage and approximately 8 acres of open land complemented by 2 acres of mature woods, creating endless possibilities for hobby farming, outdoor activities, or simply enjoying the peaceful Northwoods setting. Whether you're looking for your next renovation project, a future dream home, or an investment opportunity, this property is ready for your vision to bring it to life. Being sold AS IS.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

7/10
5/10
Hayward Middle SchoolGrades 6-810.1 mi
6/10
Hayward High SchoolGrades 9-1210.1 mi

Construction

Condition

  • Property condition: 21+ Years
  • Year built: 1980

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full,None / Slab,Block,Concrete

Bedroom2

  • Level: Main
  • Area: 208

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 2

Dining Room

  • Level: Main
  • Area: 110

Features

  • Ceiling Fan(s)
  • Window features: Some window coverings
  • Finished area below ground: 0
  • Finished area above ground: 1,363

Heating & Cooling

  • Heating features: Propane,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,363
  • Total interior livable area: 1,363 sqft

Kitchen

  • Level: Main
  • Area: 154

Living Room

  • Level: Main
  • Area: 368

Master Bedroom

  • Level: Main
  • Area: 156

Property

Details

  • Parcel number: 25023
  • Zoning: Agricultural
  • Exclusions: Excluded:lp Tank,Excluded:sellers Personal

Features

  • Patio & porch: Porch,Deck
  • Living area range: 1251-1500

Lot

  • Lot size: 10.01 Acres
  • Lot size dimensions: 0 x 0 x

Parking

  • Total spaces: 2
  • Parking features: 2 Car,Attached,Garage Door Opener
  • 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
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Hail
Inland Flooding
Lightning

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 $1,511$18,132
Home Insurance *$168$2,016
Property Taxes $181$2,172
Electricity $171$2,054
Total$2,031$24,372
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,634/yr
40% on housing$60,930/yr
45% on housing$54,160/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -3.1%
-3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$219This listing

vs Other Active Listings

Avg $/sqft

ZIP 54843$233
Sawyer County$236

vs Homes Sold Last Month

Median $/sqft

ZIP 54843
Sawyer County$208

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
2026-07-24Price change$299,000
2026-06-12Listed for sale$325,000

For Sale by Agent

AgentAnne Lawrence
BrokerageNorthwest Wisconsin Realty Team

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