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W8324 County Road Z, Onalaska, WI, 54650

3beds
1baths
1,381sqft
$349,900
$253price/sqft
$2,518/moest. monthly cost
$100,720/yrincome needed

About This Home

Charming system-built home set on a new foundation in 2018, offering classic character with major updates! This clean, well-maintained home features 3 bedrooms, a den, 1 bath, a tray ceiling in the living room, and an addition off the kitchen that's perfect for a dining or family room. The unfinished basement offers endless possibilities with 3 daylight windows and plumbing stubbed for a future bathroom. Situated on a 1-acre lot with minimal deed restrictions and no neighborhood association, you'll enjoy the freedom to build up to a 10,000 sq. ft. outbuilding or operate a home-based business (see deed restrictions). Major 2018 updates include the foundation, electrical panel, furnace, central air, septic system, and detached 25' x 28' garage. Shared well and shared driveway.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
25
BikeSomewhat Bikeable

Schools

6/10
8/10
Holmen Middle SchoolGrades 6-83.2 mi
4/10
Holmen High SchoolGrades 9-122.6 mi

Construction

Condition

  • Property condition: 21+ Years
  • Year built: 1960

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: 8'+ Ceiling,Full,Full Size Windows,Exposed

Bathroom

  • Features: Stubbed For Bathroom on Lower,Tub Only

Bedroom2

  • Level: Main
  • Area: 180

Bedroom3

  • Level: Main
  • Area: 121

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 3

Dining Room

  • Level: Main
  • Area: 154

Heating & Cooling

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

Interior Area

  • Total structure area: 1,381
  • Total interior livable area: 1,381 sqft

Kitchen

  • Level: Main
  • Area: 143

Living Room

  • Level: Main
  • Area: 110

Master Bedroom

  • Level: Main
  • Area: 220

Office

  • Level: Main
  • Area: 35

Property

Details

  • Parcel number: 010001556018
  • Zoning: Residential

Features

  • Levels: One
  • Stories: 1
  • Living area range: 1251-1500

Lot

  • Lot size: 1 Acres

Parking

  • Total spaces: 2.5
  • Parking features: Garage Door Opener,Detached,2 Car,1 Space
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5

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
    HailModerate

How This Home’s Risks Compare

Cold Wave
Hail

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 $1,769$21,228
Home Insurance *$153$1,836
Property Taxes $425$5,100
Electricity $171$2,054
Total$2,518$30,216
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,331/yr
40% on housing$75,540/yr
45% on housing$67,146/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: 9.4%
9.4%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -3.4%
-3.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$253This listing

vs Other Active Listings

Avg $/sqft

ZIP 54650$189
La Crosse County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 54650$172
La Crosse County$164

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
2026-08-10Price change$339,900
2026-07-28Listed for sale$349,900

For Sale by Agent

AgentLisa Kind
BrokerageRE/MAX Results

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