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2012 Rathert Road, Cottage Grove, WI, 53527

4beds
2baths
1,814sqft
$589,900
$325price/sqft
$4,201/moest. monthly cost
$168,040/yrincome needed

About This Home

Nestled on a stunning 6-acre property, this lovingly cared-for home offers the perfect blend of comfort, space, and serenity. Built in 1974 and cherished by the same owner ever since, this residence radiates warmth and pride of ownership throughout. Step inside to find a spacious layout featuring 4 bedrooms and 2 bathrooms, providing ample room for all of your needs. The inviting living areas are filled with natural light, creating a welcoming atmosphere ideal for both relaxation and entertaining. A highlight of this home is the beautifully crafted three-season porch?an ideal spot to unwind and take in the peaceful surroundings. From here, enjoy breathtaking sunsets that paint the sky in tranquil hues each evening. Outside, the expansive 6-acre lot is meticulously maintained, offering endless possibilities for gardening, recreation, or simply enjoying the beauty of nature.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

3/10
Glacial Drumlin SchoolGrades 6-83.2 mi
7/10
Monona Grove High SchoolGrades 9-128.3 mi

Construction

Condition

  • Property condition: 21+ Years
  • Year built: 1974

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Raised Ranch
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full,Exposed,Full Size Windows,Partially Finished,Concrete

Bathroom

  • Features: No Master Bedroom Bath

Bedroom2

  • Level: Main
  • Area: 132

Bedroom3

  • Level: Main
  • Area: 99

Bedroom4

  • Level: Lower
  • Area: 180

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Family Room

  • Level: Lower
  • Area: 195

Features

  • High Speed Internet,Kitchen Island
  • Finished area below ground: 662
  • Finished area above ground: 1,152

Heating & Cooling

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

Interior Area

  • Total structure area: 1,814
  • Total interior livable area: 1,814 sqft

Kitchen

  • Level: Main
  • Area: 110

Living Room

  • Level: Main
  • Area: 208

Master Bedroom

  • Level: Main
  • Area: 144

Property

Details

  • Parcel number: 071111383302
  • Zoning: Res
  • Exclusions: Sellers Personal Property

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Living area range: 1751-2000

Lot

  • Lot size: 6.41 Acres
  • Features: Wooded

Parking

  • Total spaces: 2
  • Parking features: 2 Car
  • 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
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
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 $2,982$35,784
Home Insurance *$200$2,400
Property Taxes $848$10,176
Electricity $171$2,054
Total$4,201$50,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$144,034/yr
40% on housing$126,030/yr
45% on housing$112,026/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$325This listing

vs Other Active Listings

Avg $/sqft

ZIP 53527$238
Dane County$251

vs Homes Sold Last Month

Median $/sqft

ZIP 53527$230
Dane County$246

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
2026-05-01Listed for sale$625,000

For Sale by Agent

AgentLindsey Frank
BrokerageY Realty Wisconsin

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