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603 Bay Street, Chippewa Falls, WI, 54729

6beds
3baths
3,472sqft
$349,900
$101price/sqft
$2,810/moest. monthly cost
$112,400/yrincome needed

About This Home

This six-bedroom, 2.5-bath Victorian sits in the heart of downtown, offering timeless character with modern safety features including a fire alarm and sprinkler system. Inside, you?ll find spacious bedrooms, a dedicated office, and 2.5 bathrooms. With its versatile layout, this property is perfect for residential living, commercial use, or investment opportunities. Previously operated as a group home, it?s already equipped to meet higher standards of safety and function. A unique opportunity to own a piece of history with endless potential!

Getting Around

78
WalkingVery Walkable
0
TransitVery Limited Transit
56
BikeBikeable

Schools

3/10
4/10
6/10

Construction

Condition

  • Property condition: 21+ Years
  • Year built: 1895

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Stone

Bedroom2

  • Level: Upper
  • Area: 143

Bedroom3

  • Level: Upper
  • Area: 169

Bedroom4

  • Level: Upper
  • Area: 272

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 266

Features

  • Finished area below ground: 0
  • Finished area above ground: 3,472

Heating & Cooling

  • Heating features: Natural Gas,Baseboard,Radiant,Hot Water
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,472
  • Total interior livable area: 3,472 sqft

Kitchen

  • Level: Main
  • Area: 224

Living Room

  • Level: Main
  • Area: 368

Master Bedroom

  • Level: Main
  • Area: 255

Property

Details

  • Parcel number: 22808061360061705
  • Zoning: Commercial,Residential,Other-See Remarks

Features

  • Levels: Two
  • Stories: 2
  • Living area range: 3001-3500

Lot

  • Lot size: 8,712 sqft
  • Lot size dimensions: 132 x 62 x

Parking

  • Parking features: No Garage

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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Hail
Inland Flooding
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 $1,769$21,228
Home Insurance *$132$1,584
Property Taxes $583$6,996
Electricity $326$3,915
Total$2,810$33,720
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,342/yr
40% on housing$84,300/yr
45% on housing$74,933/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: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$101This listing

vs Other Active Listings

Avg $/sqft

ZIP 54729$191
Chippewa County$203

vs Homes Sold Last Month

Median $/sqft

ZIP 54729$165
Chippewa County$152

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)

No zestimate history available

Price History

DateEventPrice
2026-04-30Price change$369,000
2026-03-26Price change$369,900
2026-01-06Price change$374,900
2025-10-16Listed for sale$380,000
2025-10-02Contingent$380,000
2025-08-19Listed for sale$399,900
2014-06-06Sold$230,000
2014-03-15Listed for sale$249,900
2007-12-31Sold$172,400

For Sale by Agent

AgentAmber Linhart
BrokerageCB Brenizer/Chippewa

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