See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

221 Miner Avenue #1 & 2, Ladysmith, WI, 54848

3beds
2baths
--sqft
$179,900
--price/sqft
$1,376/moest. monthly cost
$55,040/yrincome needed

About This Home

Attention investors and house hackers! This Ladysmith duplex offers the perfect blend of opportunity and peace of mind. The building is move-in ready, featuring a new roof, upper deck/fire escape, and updated laundry units within the last 3 years, with most other major updates completed within the last decade or so. Both units boast a strong rental history and a convenient location that ensures high demand for years to come. This versatile property has served the current owners as both a spacious primary residence and a high-performing rental. Duplexes in this turnkey condition are rare in this market. Don?t miss your chance to add this gem to your portfolio.

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

4/10
3/10
Ladysmith Middle SchoolGrades 6-81.2 mi
3/10
Ladysmith High SchoolGrades 9-121.2 mi

Construction

Condition

  • Property condition: 21+ Years
  • Year built: 1901

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Range/Oven,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Full,Block,Concrete,Stone

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,526

Heating

  • Heating features: Electric,Natural Gas,None,Baseboard,Forced Air

Property

Details

  • Parcel number: 246011080000
  • Exclusions: Excluded:sellers Personal,Excluded:tenants Personal

Features

  • Patio & porch: Deck
  • Living area range: 1501-1750

Lot

  • Lot size: 4,791 sqft
  • Lot size dimensions: 76 x 66 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 WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Hail
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 $909$10,908
Home Insurance *$142$1,704
Property Taxes $154$1,848
Electricity $171$2,054
Total$1,376$16,512
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,177/yr
40% on housing$41,280/yr
45% on housing$36,693/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -3.0%
-3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 54848$152
Rusk County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 54848
Rusk County$147

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
2026-03-10Listed for sale$189,900

For Sale by Agent

AgentAdam Kaiser
BrokerageKaiser Realty Inc

Similar Homes