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4800 Cub Rd, Gratiot, WI, 53541

3beds
3baths
2,831sqft
$659,900
$233price/sqft
$4,666/moest. monthly cost
$186,640/yrincome needed

About This Home

Showings begin 5/14! Stunning ~23-acre country estate offering privacy, views, and versatility. The home's open-concept main level features a spacious kitchen with large pantry, dining area, and vaulted living room filled with natural light and beautiful views. Two main-level bedrooms (one currently doubles as laundry) and a full bath offer flexibility. Upstairs is a private primary suite with walk-in closet and spa-like bath. The partially finished walk-out lower level includes additional living space, second kitchen, storage, and laundry hookups. Outside, enjoy a 50x96 pole building with indoor riding arena, tack room, and bar/viewing area, plus a horse barn with 4 stalls and a lean-to. The land features fenced pastures, woods, hay ground, trails, fruit trees, hunting shack, and a creek. This property is ideal for horses, hunting, recreation, or your very own private retreat.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

6/10
3/10
Black Hawk Middle SchoolGrades 6-811.2 mi
3/10
Black Hawk High SchoolGrades 9-1211.2 mi

Construction

Condition

  • Year built: 1998

Type & Style

  • Home type: SingleFamily
  • Property subType: Other

Interior

Basement

  • Basement: Full, Partially Finished, Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Vaulted Ceiling(s),Walk-In Closet(s)

Heating & Cooling

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

Interior Area

  • Total structure area: 2,831
  • Total interior livable area: 2,831 sqft

Property

Lot

  • Lot size: 22.99 Acres

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
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado
Drought
Inland Flooding
Ice Storm
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 $3,336$40,032
Home Insurance *$383$4,596
Property Taxes $681$8,172
Electricity $266$3,192
Total$4,666$55,992
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$159,977/yr
40% on housing$139,980/yr
45% on housing$124,426/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: 5.2%
5.2%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$233This listing

vs Other Active Listings

Avg $/sqft

ZIP 53541$351
Lafayette County$203

vs Homes Sold Last Month

Median $/sqft

ZIP 53541
Lafayette County$134

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
2026-05-06Listed for sale$719,900

For Sale by Agent

AgentRyan Ziltner
BrokerageEXIT PROFESSIONAL REAL ESTATE

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