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706 W ROBERTS STREET, Spencer, WI, 54479

4beds
3baths
3,095sqft
$365,000
$118price/sqft
$2,861/moest. monthly cost
$114,440/yrincome needed

About This Home

Thoughtfully designed with space to spread out, this beautifully maintained 4-bedroom, 3-bathroom home offers the perfect blend of comfort, functionality, and privacy. From the generous layout to the peaceful setting, this home has so much to offer. The main floor features two bedrooms and two full bathrooms, creating a convenient and functional layout for everyday living. Upstairs, you'll find two additional bedrooms, including an impressive primary suite complete with a spacious en suite bathroom and a large walk-in closet. The partially finished basement provides additional living space that's perfect for a family room, rec room, home office, or whatever best fits your needs. The unfinished crawl space offers an abundance of easily accessible storage. Step outside to enjoy the private backyard, where you'll find plenty of room to relax, entertain, or simply enjoy the peaceful surroundings. An additional outbuilding offers endless possibilities?use it as a workshop, extra storage, or a place to park a vehicle, boat, ATV, or other recreational toys. Nestled in a quiet, establi

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

5/10
Spencer Elementary SchoolGrades PK-50.9 mi
5/10

Construction

Condition

  • Property condition: 21+ Years
  • Year built: 2004

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Range/Oven,Dishwasher,Washer,Dryer

Bedroom2

  • Level: Main
  • Area: 132

Bedroom3

  • Level: Main
  • Area: 156

Bedroom4

  • Level: Upper
  • Area: 195

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 2

Features

  • Cathedral/vaulted ceiling,Walk-In Closet(s)
  • Finished area below ground: 855
  • Finished area above ground: 2,240

Heating & Cooling

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

Interior Area

  • Total structure area: 3,095
  • Total interior livable area: 3,095 sqft

Kitchen

  • Area: 247

Living Room

  • Area: 240

Master Bedroom

  • Level: Upper
  • Area: 260

Property

Details

  • Parcel number: 18126020720010

Features

  • Levels: Bi-Level
  • Pool features: Above Ground
  • Patio & porch: Patio
  • Living area range: 3001-3500

Lot

  • Lot size: 0.31 Acres

Parking

  • Total spaces: 2
  • Parking features: 2 Car,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Lightning
    LightningVery High
  • Hail
    HailRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Hail
Tornado
Inland Flooding
Strong Wind
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 $1,845$22,140
Home Insurance *$180$2,160
Property Taxes $546$6,552
Electricity $290$3,489
Total$2,861$34,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,091/yr
40% on housing$85,830/yr
45% on housing$76,293/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: 0.4%
0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$118This listing

vs Other Active Listings

Avg $/sqft

ZIP 54479$121
Marathon County$178

vs Homes Sold Last Month

Median $/sqft

ZIP 54479
Marathon County$149

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
2026-07-23Listed for sale$365,000
2016-06-10Listing removed$115,000
2016-03-08Price change$115,000
2016-02-16Price change$118,000
2016-01-24Listed for sale$116,000
2015-10-25Listing removed$118,000
2015-09-15Price change$118,000
2015-07-14Price change$119,900
2015-02-28Price change$119,500
2014-10-11Price change$119,900
2014-09-05Price change$122,000
2014-06-05Listed for sale$124,500
2011-10-24Sold$117,900
2011-07-16Price change$119,000
2011-03-31Listed for sale$124,900

For Sale by Agent

AgentMEGAN SCHMIDT
BrokerageNEXTHOME HUB CITY

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