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N2595 Flambeau River Ln, Ladysmith, WI, 54848

1beds
1baths
528sqft
$225,000
$426price/sqft
$1,678/moest. monthly cost
$67,120/yrincome needed

About This Home

Escape to your own private waterfront sanctuary on the scenic Flambeau River. Nestled on 1.8 densely wooded acres with 200 feet of river frontage, this unique property offers the perfect blend of rustic tranquility and modern convenience—just 20 minutes from Lake Holcombe, Bruce, and Ladysmith. Main Cabin: Warm and inviting living space equipped with a cozy pellet stove for chilly evenings, a sleeping loft, and an enclosed screened porch perfect for morning coffee or outdoor dining free of bugs. Beautifully updated kitchen with rich granite countertops, adding a touch of elegance to your cabin routine. Separate Bath House has a toilet, shower, and sink, and features a second sleeping loft and electric heat, providing flexible space for guests or additional living accommodations. Outdoor Living: Gather around the fire pit under the stars, listen to the flow of the river, and enjoy unmatched privacy surrounded by mature trees. Whether you are looking for a tranquil weekend getaway, a hunter’s retreat, or a basecamp for fishing and kayaking on the Flambeau, this private riverfront property delivers exceptional Northwoods charm. The 3-season cabin does not have running water or a bathroom; it is located in the detached bathhouse. There is a drilled well and a 3-bedroom septic.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

6/10
Bruce Elementary SchoolGrades PK-56.2 mi
9/10
Bruce Middle SchoolGrades 6-86.2 mi
2/10
Bruce High SchoolGrades 9-126.2 mi

Construction

Condition

  • Year built: 2015

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

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

Basement

  • Basement: None

Bathroom

  • Level: Main
  • Area: 48
  • Dimensions: 8x6

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Free Standing,Other
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 528

Heating & Cooling

  • Heating features: Baseboard,Radiant
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 528
  • Total interior livable area: 528 sqft

Kitchen

  • Level: Main
  • Area: 120
  • Dimensions: 10x12

Living Room

  • Level: Main
  • Area: 120
  • Dimensions: 12x10

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 038011150230
  • Zoning description: Shoreline
  • Foundation area: 528

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Porch,Screened
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Front,Waterfront Elevation(0-4),Lake Bottom(Rocky,Sand)
  • Frontage length: Water Frontage: 200

Lot

  • Lot size: 1.83 Acres
  • Lot size dimensions: 200 x 400 x 200 x 400

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 FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Hail
Strong Wind
Tornado
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 $1,137$13,644
Home Insurance *$177$2,124
Property Taxes $193$2,316
Electricity $171$2,054
Total$1,678$20,136
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,531/yr
40% on housing$50,340/yr
45% on housing$44,746/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -3.0%
-3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$426This listing

vs Other Active Listings

Avg $/sqft

ZIP 54848$150
Rusk County$144

vs Homes Sold Last Month

Median $/sqft

ZIP 54848
Rusk County$147

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
2026-08-17Price change$220,000
2026-08-03Listed for sale$225,000

For Sale by Agent

AgentJoe Germain
BrokerageWoods & Water Realty Inc.

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