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205 State St, Ripon, WI, 54971

4beds
3baths
3,807sqft
$414,900
$109price/sqft
$3,393/moest. monthly cost
$135,720/yrincome needed

About This Home

Experience Victorian charm in this expansive 4-bed, 3-bath home, offering over 3800 sq ft of living space. This home is located just steps from all the amenities that Ripon has to offer. From a local brewery and summer concerts, to a variety of restaurants, shops, and public trails, you're easily walk accessible to everything great about downtown Ripon. Entertain effortlessly with a summer kitchen adjacent to the outdoor patio. Retreat to the newly updated master suite featuring a spacious bathroom and walk-in closet. With a 3-car garage, shed, and two bonus rooms, there's ample storage and flexibility. Updated mechanicals and a well maintained interior/exterior allow for you to enjoy the charm of Victorian and the convenience of a modern home. Motivated Sellers!

Getting Around

62
WalkingSomewhat Walkable
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

4/10
5/10
Ripon Middle SchoolGrades 6-80.7 mi
6/10
Ripon High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1860

Materials

  • Foundation: Stone
  • Construction materials: Shake Siding

Type & Style

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

Interior

Basement

  • Basement: Crawl Space

Bedroom1

  • Level: Upper
  • Dimensions: 15x13

Bedroom2

  • Level: Upper
  • Dimensions: 16x15

Bedroom3

  • Level: Upper
  • Dimensions: 13x15

Bedroom4

  • Level: Upper
  • Dimensions: 14x12

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Cooling

  • Cooling features: Central Air

Family Room

  • Level: Main
  • Dimensions: 15x16

Features

  • Number of fireplaces: 3
  • Fireplace features: Three,Gas
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,807

Formal Dining Room

  • Level: Main
  • Dimensions: 17x13

Interior Area

  • Total interior livable area: 3,807 sqft

Kitchen

  • Level: Main
  • Dimensions: 13x19

Living Room

  • Level: Main
  • Dimensions: 23x15

Other

  • Level: Main
  • Dimensions: 13x16

Other

  • Level: Upper
  • Dimensions: 15x9

Other

  • Level: Upper
  • Dimensions: 9x11

Property

Accessibility

  • Accessibility features: Not Applicable

Details

  • Parcel number: RIP161499RI41600
  • Zoning: Residential
  • Exclusions: Seller's personal property.

Lot

  • Lot size: 0.43 Acres

Parking

  • Total spaces: 3
  • Parking features: Detached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $2,097$25,164
Home Insurance *$202$2,424
Property Taxes $737$8,844
Electricity $357$4,292
Total$3,393$40,716
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,331/yr
40% on housing$101,790/yr
45% on housing$90,480/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: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$109This listing

vs Other Active Listings

Avg $/sqft

ZIP 54971$196
Fond du Lac County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 54971$172
Fond du Lac County$171

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
2025-11-06Price change$414,900
2025-08-27Price change$424,900
2025-02-28Listed for sale$429,900
2024-12-23Listing removed$449,900
2024-05-21Listed for sale$449,900

For Sale by Agent

AgentGarrett L Jennings
BrokerageAdashun Jones, Inc.

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