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1170 Spruce St, Plain, WI, 53577

3beds
2baths
1,940sqft
$275,000
$142price/sqft
$2,032/moest. monthly cost
$81,280/yrincome needed

About This Home

Showings to begin 8/26 - Welcome to this solidly built 3-bedroom, 2-bath home in the heart of Plain! Great curb appeal and a classic brick exterior welcome you home. Inside, the living area features recently refinished wood floors and opens to the kitchen with original cabinetry in good condition. Wood floors continue throughout the bedrooms. The lower level adds valuable living space with a 12’ x 17’ family room, perfect for movie or game nights, plus a 12’ x 12’ room ideal for a home office, exercise room, or craft space. Additional rooms provide plenty of storage, along with a convenient root cellar. The good-sized lot offers room for entertaining, gardening, or simply enjoying the outdoors. Come see all this home has to offer!

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

9/10
7/10
River Valley High SchoolGrades 9-126.7 mi

Construction

Condition

  • Year built: 1956

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Washer,Dryer,Water Softener Included
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom2

  • Level: Main
  • Area: 120

Bedroom3

  • Level: Main
  • Area: 143

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1

Family Room

  • Area: 260

Features

  • Split bedrooms,Den/Office,Other
  • Finished area above ground: 1,191

Heating

  • Heating features: Radiant,None

Interior Area

  • Total structure area: 1,940
  • Total interior livable area: 1,940 sqft

Kitchen

  • Features: Kitchen Island,Range/Oven,Microwave
  • Level: Main
  • Area: 169

Living Room

  • Level: Main
  • Area: 294

Master Bedroom

  • Level: Main
  • Area: 168

Property

Details

  • Parcel number: 171012300000
  • Zoning: Res

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio

Lot

  • Lot size: 0.25 Acres
  • Lot size dimensions: 75x143

Parking

  • Total spaces: 1
  • Parking features: 1 car,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

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

  • Inland Flooding
    Inland FloodingVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Hail
Strong Wind
Tornado
Heat Wave
Landslide
Lightning
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 $1,390$16,680
Home Insurance *$179$2,148
Property Taxes $281$3,372
Electricity $182$2,187
Total$2,032$24,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,668/yr
40% on housing$60,960/yr
45% on housing$54,186/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$142This listing

vs Other Active Listings

Avg $/sqft

ZIP 53577
Sauk County$233

vs Homes Sold Last Month

Median $/sqft

ZIP 53577$131
Sauk County$165

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

No price history available

Coming Soon

AgentRich Roberts
BrokerageCentury 21 Affiliated Roessler

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