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W16468 S Hilbert Dr, Armstrong Creek, WI, 54103

3beds
2baths
1,461sqft
$399,950
$274price/sqft
$2,732/moest. monthly cost
$109,280/yrincome needed

About This Home

Enjoy 130 feet of frontage on Lake Hilbert, a full recreation lake perfect for year-round fun. This 3-bedroom, 2 full bath home features an open-concept main level with beautiful lake views and a freestanding wood fireplace, creating a warm and inviting space. The lower level includes a spacious family room, additional bedroom, full bath, laundry area, and a walkout to the lake. Vaulted ceilings and a wraparound deck add to the charm and provide great outdoor living space. Offered fully furnished and move-in ready, including a pedal boat, kayaks, and row boat. Just bring your suitcase and start enjoying lake life.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

8/10
Goodman High SchoolGrades 7-126.4 mi

Construction

Condition

  • Year built: 1999

Materials

  • Foundation: Block
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range,Refrigerator,Washer,Water Softener Owned

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished,Walk-Out Access,Partial Fin. Contiguous

Bedroom1

  • Level: Main
  • Dimensions: 10x11

Bedroom2

  • Level: Main
  • Dimensions: 10x11

Bedroom3

  • Level: Lower
  • Dimensions: 10x11

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Dimensions: 5x9

Family Room

  • Level: Lower
  • Dimensions: 22x19

Features

  • Vaulted Ceiling(s)
  • Number of fireplaces: 1
  • Fireplace features: Free Standing,Wood Burning,One
  • Fireplace: Yes
  • Finished area below ground: 645
  • Finished area above ground: 816

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Forced Air,Central Air

Interior Area

  • Total interior livable area: 1,461 sqft

Kitchen

  • Level: Main
  • Dimensions: 10x9

Living Room

  • Level: Main
  • Dimensions: 21x15

Other

  • Level: Lower
  • Dimensions: 9x11

Property

Accessibility

  • Accessibility features: 1st Floor Bedroom,1st Floor Full Bath

Details

  • Parcel number: 01202360.000
  • Zoning: Residential
  • Exclusions: None

Features

  • Patio & porch: Deck
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: Hilbert Lake

Lot

  • Lot size: 0.40 Acres
  • Features: Rural - Subdivision,Wooded,Subj to Shoreland Zoning
  • Lot size dimensions: 130x175

Parking

  • Parking features: None

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 FloodingVery High
  • Lightning
    LightningVery High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Hail
Strong Wind
Winter Weather
Tornado
Tsunami

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 $2,022$24,264
Home Insurance *$170$2,040
Property Taxes $369$4,428
Electricity $171$2,054
Total$2,732$32,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,668/yr
40% on housing$81,960/yr
45% on housing$72,853/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -5.1%
-5.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$274This listing

vs Other Active Listings

Avg $/sqft

ZIP 54103$92
Marinette County$133

vs Homes Sold Last Month

Median $/sqft

ZIP 54103
Marinette County$144

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
2026-04-13Listed for sale$439,000

For Sale by Agent

AgentMike A Gotstein
BrokerageColdwell Banker Real Estate Group

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