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1909 Summit STREET, Manitowoc, WI, 54220

4beds
3baths
2,101sqft
$484,900
$231price/sqft
$3,401/moest. monthly cost
$136,040/yrincome needed

About This Home

Brand-new ranch that blends modern design with warm, elevated finishes throughout. This 4-bed, 3-bath open-concept home showcases vaulted ceilings & rich luxury plank flooring flowing into a stunning great room anchored by a gas stone fireplace. The kitchen impresses w/ granite countertops, custom soft-close cabinetry & seamless dining space w/ patio slider for effortless indoor-outdoor living. Main level offers three spacious bedrooms, guest bath w/ tub/shower & convenient first-floor laundry. The private master ste features a tiled walk-in shower & generous walk-in closet. Finished LL expands your lifestyle w/ a 4th bedroom w/ egress, large rec room, 3rd full bath & ample storage or future finish space. Finished 3+ car garage. Thoughtfully designed and anything but a typical spec home!

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

2/10
Monroe Elementary SchoolGrades K-50.4 mi
2/10
4/10
Lincoln High SchoolGrades 9-121.0 mi

Construction

Condition

  • Property condition: 0-5 Years,New Construction
  • Year built: 2026

Materials

  • Construction materials: Aluminum Trim,Stone,Brick/Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave

Basement

  • Has basement: Yes
  • Basement: Full,Full Size Windows,Partially Finished,Sump Pump

Bathroom

  • Features: Shower on Lower,Ceramic Tile,Master Bedroom Bath: Walk-In Shower,Master Bedroom Bath,Shower Over Tub

Bedroom2

  • Level: Main
  • Area: 120

Bedroom3

  • Level: Main
  • Area: 110

Bedroom4

  • Level: Lower
  • Area: 414

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Dining Room

  • Level: Main
  • Area: 150

Features

  • High Speed Internet,Cathedral/vaulted ceiling,Kitchen Island
  • Finished area below ground: 443
  • Finished area above ground: 1,658

Heating & Cooling

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

Interior Area

  • Total structure area: 2,101
  • Total interior livable area: 2,101 sqft

Kitchen

  • Level: Main
  • Area: 126

Living Room

  • Level: Main
  • Area: 340

Master Bedroom

  • Level: Main
  • Area: 180

Property

Details

  • Parcel number: 563001180
  • Zoning: Residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Living area range: 2001-2500

Lot

  • Lot size: 0.33 Acres

Parking

  • Total spaces: 3
  • Parking features: Garage Door Opener,Attached,3 Car
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Lightning
Tornado
Inland Flooding
Strong Wind
Winter Weather
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 $2,451$29,412
Home Insurance *$224$2,688
Property Taxes $529$6,348
Electricity $197$2,369
Total$3,401$40,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,605/yr
40% on housing$102,030/yr
45% on housing$90,693/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: 12.8%
12.8%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 54220$179
Manitowoc County$184

vs Homes Sold Last Month

Median $/sqft

ZIP 54220$152
Manitowoc County$150

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
2026-04-18Listed for sale$494,900

For Sale by Agent

AgentAugust Richter
BrokerageKeller Williams-Manitowoc

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