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805 Saddle Ridge, Portage, WI, 53901

2beds
3baths
1,484sqft
$509,900
$344price/sqft
$3,587/moest. monthly cost
$143,480/yrincome needed

About This Home

Discover refined living in the desirable Saddle Ridge Community! This beautifully designed ranch-style home offers zero-step entry and an expansive three-car garage. Inside, you'll find vaulted ceilings, floor-to-ceiling fireplace, and custom Amish cabinetry accented with quartz countertops. Enjoy the open-concept layout that connects the spacious main-level primary suite with the living and dining areas, all featuring wide 36" doorways for easy accessibility. Year-round amenities include Swan Lake, two golf courses, pickleball and basketball courts, and a community pavilion for gatherings. The unfinished lower level provides the perfect opportunity to expand your living space or add a home office or entertainment area. Nestled in the Town of Pacific with low taxes. Condo Fee $180.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

--
6/10
Portage High SchoolGrades 6-124.1 mi
--

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Construction materials: Vinyl Siding,Stone

Type & Style

  • Home type: Condo
  • Property subType: Condominium,Single Family Residence

Interior

Appliances

  • Appliances included: Range/Oven,Refrigerator,Dishwasher,Microwave

Basement

  • Has basement: Yes
  • Basement: Partial,Partially Finished,8'+ Ceiling,Concrete

Bathroom

  • Features: Stubbed For Bathroom on Lower,Master Bedroom Bath: Full,Master Bedroom Bath,Master Bedroom Bath: Walk Through,Master Bedroom Bath: Walk-In Shower

Bedroom2

  • Level: Main
  • Area: 144

Bedrooms & Bathrooms

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

Features

  • Walk-In Closet(s),Cathedral/vaulted ceiling,High Speed Internet,Kitchen Island
  • Finished area below ground: 50
  • Finished area above ground: 1,434

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,434
  • Total interior livable area: 1,484 sqft

Kitchen

  • Level: Main
  • Area: 156

Living Room

  • Level: Main
  • Area: 304

Master Bedroom

  • Level: Main
  • Area: 176

Property

Details

  • Parcel number: 1300.0805
  • Zoning: Res

Features

  • Levels: 1 Story
  • Patio & porch: Patio
  • Exterior features: Private Entrance
  • Waterfront features: Lake,Water Ski Lake
  • Waterbody name: Swan
  • Living area range: 1251-1500

Parking

  • Parking features: 3 Car,Attached
  • Has garage: Yes

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

  • Hail
    HailVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Tornado
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 $2,578$30,936
Home Insurance *$299$3,588
Property Taxes $539$6,468
Electricity $171$2,054
Total$3,587$43,044
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,982/yr
40% on housing$107,610/yr
45% on housing$95,653/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -2.3%
-2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$344This listing

vs Other Active Listings

Avg $/sqft

ZIP 53901$175
Columbia County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 53901$165
Columbia County$173

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
2025-10-14Listed for sale$509,900

New Construction

AgentTrey Gardner
BrokerageEXP Realty, LLC

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