4431 Swallow Banks Ln, Oshkosh, WI, 54904
About This Home
Welcome to this immaculate home set on .81 (+/-) acre lot w/ shared pond! Currently a successful Airbnb, yet offers flexibility as primary, vacation home, or investment. Step inside & be captivated by soaring ceilings & stunning floor-to-ceiling stone FP w/ pellet stove. Recently remodeled kitchen is stylish and functional, featuring modern updates & all appliances included. Main level bed or office & ½ bath complete the main. Upstairs is an expansive primary suite w/ full bath & walk-in closet. Two additional beds, full bath, & loft area round out the upper. Finished lower offers FR w/ FP & walkout access. Outdoor living is just as impressive- beautifully designed patio w/ built-in grill & outdoor FP. Attached 2.5 car garage & detached 30x22 garage (both heated) complete this home!
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1978
Materials
- Foundation: Poured Concrete
- Construction materials: Shake Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Washer,Water Softener Owned
Basement
- Has basement: Yes
- Basement: Full,Full Sz Windows Min 20x24,Partial Fin. Contiguous,Partially Finished,Sump Pump,Walk-Out Access
Bedroom1
- Level: Upper
- Dimensions: 22x16
Bedroom2
- Level: Main
- Dimensions: 14x12
Bedroom3
- Level: Upper
- Dimensions: 17x16
Bedroom4
- Level: Upper
- Dimensions: 13x11
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Dimensions: 14x08
Family Room
- Level: Lower
- Dimensions: 20x13
Features
- At Least 1 Bathtub,Kitchen Island,Vaulted Ceiling(s)
- Flooring: Wood/Simulated Wood Fl
- Number of fireplaces: 2
- Fireplace features: Two,Pellet Stove
- Fireplace: Yes
- Finished area below ground: 1,029
- Finished area above ground: 3,216
Heating & Cooling
- Heating features: Radiant
- Cooling features: Central Air
Interior Area
- Total interior livable area: 4,245 sqft
Kitchen
- Level: Main
- Dimensions: 14x14
Living Room
- Level: Main
- Dimensions: 23x20
Other
- Level: Lower
- Dimensions: 22x15
Property
Accessibility
- Accessibility features: 1st Floor Bedroom,1st Floor Full Bath
Details
- Parcel number: 0160994
- Zoning: Residential
Features
- Patio & porch: Deck,Patio
Lot
- Lot size: 0.81 Acres
- Features: Rural - Not Subdivision
Parking
- Total spaces: 5
- Parking features: Attached,Detached,Heated Garage
- Has garage: Yes
- Attached garage spaces: 5
- Covered spaces: 5
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
- Hail
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Wisconsin Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,958 | $35,496 |
| Home Insurance * | $194 | $2,328 |
| Property Taxes | $793 | $9,516 |
| Electricity | $398 | $4,786 |
| Total | $4,343 | $52,116 |
Income You'd Need if You Spent...
Wisconsin FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-11 | Contingent | $585,000 |
| 2026-04-28 | Price change | $585,000 |
| 2026-04-10 | Listed for sale | $599,000 |
| 2020-06-30 | Sold | $360,000 |
| 2020-05-22 | Listed for sale | $359,900 |
| 2015-10-17 | Sold | $309,900 |
| 2012-12-07 | Listing removed | $314,900 |
| 2012-09-07 | Price change | $314,900 |
| 2012-07-12 | Listed for sale | $329,900 |
| 2005-05-23 | Sold | $285,000 |
For Sale by Agent
View on Zillow