20 Otto DRIVE #18, Hartford, WI, 53027
About This Home
Extensively renovated duplex in a desirable Hartford location! Whether you're looking to expand your investment portfolio or offset your mortgage with owner-occupied living, this property is move-in ready & packed with updates. Both upper and lower units feature 2 BRs, 1 full BA, updated kitchens & renovated bathrooms. Lower unit was completely remodeled down to the studs, while upper unit received new flooring & fresh paint throughout in 2025. Add'l improvements include new furnace & water heater (2026), lower-unit windows (2025), roof (2020). Situated on over a half-acre lot, the property offers plenty of outdoor space, a 1-car detached garage & strong rental appeal. A rare combination of modern updates, spacious grounds & flexible living options makes this Hartford duplex a must-see!
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- Property condition: 21+ Years
- Year built: 1875
Materials
- Construction materials: Aluminum/Steel,Aluminum Siding
Type & Style
- Home type: MultiFamily
- Property subType: Multi Family,Duplex
Interior
Basement
- Has basement: Yes
- Basement: Full,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Property
Details
- Parcel number: 36 2201006020
- Zoning: RES
Features
- Levels: Two
- Stories: 2
- Living area range: Not Available
Lot
- Lot size: 0.58 Acres
Parking
- Total spaces: 1
- Parking features: Detached,1 Car
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Tornado
- Hail
- Heat Wave
- Lightning
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Wisconsin Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,971 | $23,652 |
| Home Insurance * | $142 | $1,704 |
| Property Taxes | $344 | $4,128 |
| Electricity | $171 | $2,054 |
| Total | $2,628 | $31,536 |
Income You'd Need if You Spent...
Wisconsin FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-12 | Contingent | $389,900 |
| 2026-07-07 | Price change | $389,900 |
| 2026-06-04 | Listed for sale | $399,900 |
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