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N4532 E Shore Place ROAD, Cambridge, WI, 53523

2beds
1baths
900sqft
$225,000
$250price/sqft
$1,610/moest. monthly cost
$64,400/yrincome needed

About This Home

Welcome to this charming rustic cottage featuring a spacious enclosed front porch surrounded by walls of windows, creating the perfect space to relax, entertain, or enjoy casual dining. Inside, you'll find warm knotty pine walls and ceilings that create an inviting cabin feel throughout. The living room provides a comfortable gathering space, while the kitchen offers all the essentials with ample cabinetry, and an adjacent dining area. Two cozy bedrooms and full bath complete the home. Enjoy the added benefit of your own dedicated pier spot & private neighborhood beach, making it easy to spend your days boating, fishing, or simply enjoying life on the lake. This home is designed for seasonal use and not currently equipped for year round living.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

4/10
4/10
Nikolay Middle SchoolGrades 6-81.3 mi
10/10
Cambridge High SchoolGrades 9-120.9 mi

Construction

Condition

  • Property condition: 21+ Years
  • Year built: 1940

Materials

  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Window A/C,Oven,Refrigerator

Basement

  • Basement: None / Slab

Bedroom2

  • Level: Main
  • Area: 100

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • Flooring: Wood

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 900
  • Total interior livable area: 900 sqft

Kitchen

  • Level: Main
  • Area: 120

Living Room

  • Level: Main
  • Area: 224

Master Bedroom

  • Level: Main
  • Area: 100

Property

Details

  • Parcel number: 02206130644098
  • Zoning: R-1
  • Exclusions: Sellers Personal Property,Some Furniture At Sellers Discretion

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Boat Slip
  • Waterfront features: Deeded Water Access,Water Access/Rights,Lake
  • Waterbody name: Ripley
  • Living area range: 751-1000

Lot

  • Lot size: 4,356 sqft

Parking

  • Parking features: No Garage

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
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Tornado
Heat Wave
Inland Flooding
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 $1,137$13,644
Home Insurance *$81$972
Property Taxes $221$2,652
Electricity $171$2,054
Total$1,610$19,320
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,200/yr
40% on housing$48,300/yr
45% on housing$42,933/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: -2.6%
-2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$250This listing

vs Other Active Listings

Avg $/sqft

ZIP 53523$246
Jefferson County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 53523$222
Jefferson 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
2026-08-12Pending sale$225,000
2026-08-03Listed for sale$225,000

For Sale by Agent

AgentJennifer Fernandez
BrokerageCentury 21 Circle-Westchester

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