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326 W Spring Street #1 & 2, Chippewa Falls, WI, 54729

3beds
2baths
1,900sqft
$199,900
$105price/sqft
$1,426/moest. monthly cost
$57,040/yrincome needed

About This Home

Looking for a smart investment or the perfect owner-occupied property? This well-maintained duplex in the heart of Chippewa Falls offers both! Located within walking distance of downtown, enjoy easy access to local shops, restaurants, and entertainment. With long-term, reliable tenants on month-to-month leases and rents currently below market value, theres potential to maximize your return. Each unit comes with a bonus storage shed, adding extra convenience for tenants. Whether youre expanding your portfolio or looking to offset your mortgage with rental income, this duplex is a fantastic opportunity.

Getting Around

68
WalkingSomewhat Walkable
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

4/10
4/10
6/10

Construction

Condition

  • Property condition: 21+ Years
  • Year built: 1900

Materials

  • Construction materials: Wood Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family,Duplex

Interior

Appliances

  • Appliances included: Range/Oven,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Cellar,Stone

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,824

Heating

  • Heating features: Electric,Natural Gas,None,Baseboard,Wall Furnace

Interior Area

  • Total structure area: 1,900
  • Total interior livable area: 1,900 sqft

Property

Details

  • Parcel number: 22808064360011804
  • Zoning: Residential-Duplex
  • Exclusions: Excluded:tenants Personal

Features

  • Patio & porch: Screened porch
  • Living area range: 1751-2000

Lot

  • Lot size: 3,920 sqft
  • Lot size dimensions: 66 x 62 x

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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Hail
Inland Flooding
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 $1,010$12,120
Home Insurance *$75$900
Property Taxes $163$1,956
Electricity $178$2,142
Total$1,426$17,112
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$48,891/yr
40% on housing$42,780/yr
45% on housing$38,026/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: 10.0%
10.0%
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

$105This listing

vs Other Active Listings

Avg $/sqft

ZIP 54729$191
Chippewa County$203

vs Homes Sold Last Month

Median $/sqft

ZIP 54729$165
Chippewa County$152

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
2025-08-27Price change$199,900
2025-04-15Price change$214,900
2025-03-16Listed for sale$224,900

For Sale by Agent

AgentAdrian Ong
BrokerageDonnellan Real Estate

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