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N866 N Water STREET, Watertown, WI, 53098

2beds
2baths
2,100sqft
$559,900
$267price/sqft
$3,547/moest. monthly cost
$141,880/yrincome needed

About This Home

Spacious 2BR+den, 2BA condo in sought-after Country Club Condo II Assn offers 2,100 sq ft of single-level, barrier & step free living. Open concept kitchen, dining & living room w/ buyer's choice of countertops, cabinet hardware & fireplace style. Custom coffee/wine bar too! Sun-filled living/sun room door opens to back patio. Primary suite boasts tray ceiling, walk-in closet, double sinks & tiled walk-in shower. Finished, heated garage w/ drywall & recessed lighting. In-floor heat throughout, Central Air, tankless hot water heater w/add'l storage tank & water softener included. Outside, yard will be graded, seeded & shade trees planted with additional landscaping left to buyer's preference & expense. Across from Watertown Country Club--luxury meets convenience! This unit is hard to beat!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
Douglas Elementary SchoolGrades PK-51.5 mi
4/10
Riverside Middle SchoolGrades 6-82.5 mi
4/10
Watertown High SchoolGrades 9-121.6 mi

Construction

Condition

  • Property condition: 0-5 Years
  • Year built: 2023

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator,Water Filtration Own,Water Softener
  • Laundry features: In Unit

Basement

  • Basement: None / Slab

Bathroom

  • Features: Tub Only,Ceramic Tile,Master Bedroom Bath: Walk-In Shower,Master Bedroom Bath,Shower Over Tub,Shower Stall

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Walk-In Closet(s),Kitchen Island
  • Flooring: Wood or Sim.Wood Floors
  • Finished area above ground: 2,100

Heating & Cooling

  • Heating features: Natural Gas,Radiant,In-floor
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,100
  • Total interior livable area: 2,100 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Office

  • Level: Main

Property

Details

  • Parcel number: 01609152821019
  • Zoning: Res

Features

  • Levels: One,1 Story
  • Stories: 1
  • Patio & porch: Patio/Porch
  • Exterior features: Private Entrance
  • Living area range: 2001-2500

Parking

  • Total spaces: 2
  • Parking features: Attached,2 Car,Assigned
  • 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 WaveRelatively High
  • Hail
    HailRelatively High
  • Tornado
    TornadoRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Tornado
Lightning
Strong Wind
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 $2,831$33,972
Home Insurance *$218$2,616
Property Taxes $301$3,612
Electricity $197$2,368
Total$3,547$42,564
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,611/yr
40% on housing$106,410/yr
45% on housing$94,586/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -2.2%
-2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$267This listing

vs Other Active Listings

Avg $/sqft

ZIP 53098$179
Dodge County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 53098$189
Dodge County$185

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
2026-02-20Price change$575,000
2025-11-13Price change$579,000
2025-08-16Listed for sale$599,900

For Sale by Agent

AgentAndrea Deel
BrokerageRealty One Group Luminous

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