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22 S Garfield Avenue, Janesville, WI, 53545

3beds
3baths
2,878sqft
$547,000
$190price/sqft
$4,000/moest. monthly cost
$160,000/yrincome needed

About This Home

This distinctive & completely renovated home is unparalleled! Without disrupting the 80 year old residence the refinishing/upgrading is extraordinary. A chef's dream kitchen w/prep island, grilling station & gas cooktop is awesome. A unique informal dining rm provides more room to entertain. The generous liv rm has wd-fp perfect to relax by on a chilly day. Step out of the liv rm w/ your favorite beverage to the 3-season rm w/ wd-stove & enjoy the greenery & wildlife. The intimate den w/wd - fp is more than perfect for your bigger than life T.V. screen. The primary bdrm w/ private fully renovated bath is a sanctuary after a long day. The 2-guest bdrms are complete w/walk-in closets & and plenty of private space. Enjoy the completely renovated guest bathrm w/whirlpool tub. Check out the new fully furnished 2nd floor laundry rm next to the bedrooms. Finally, don't forget to look over the bsmt. knotty pine rec rm. Enjoy this lovely residence.

Getting Around

54
WalkingSomewhat Walkable
30
TransitSome Transit
46
BikeSomewhat Bikeable

Schools

8/10
4/10
Edison Middle SchoolGrades 6-82.5 mi
5/10
Craig High SchoolGrades 9-120.7 mi

Construction

Condition

  • Property condition: 21+ Years
  • Year built: 1949

Materials

  • Construction materials: Aluminum/Steel,Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Range/Oven,Refrigerator,Dishwasher,Microwave,Disposal,Water Softener

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished,Block

Bathroom

  • Features: Whirlpool,Master Bedroom Bath: Full,Master Bedroom Bath

Bedroom2

  • Level: Upper
  • Area: 154

Bedroom3

  • Level: Upper
  • Area: 132

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 195

Features

  • Walk-In Closet(s),Kitchen Island
  • Window features: Low Emissivity Windows
  • Finished area below ground: 350
  • Finished area above ground: 2,528

Heating & Cooling

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

Interior Area

  • Total structure area: 2,878
  • Total interior livable area: 2,878 sqft

Kitchen

  • Level: Main
  • Area: 216

Living Room

  • Level: Main
  • Area: 247

Master Bedroom

  • Level: Upper
  • Area: 247

Office

  • Level: Main
  • Area: 121

Property

Details

  • Parcel number: 2410125300205
  • Zoning: Res
  • Exclusions: Seller's Personal Property

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Has spa: Yes
  • Spa features: Bath
  • Fencing: Fenced Yard
  • Living area range: 2501-3000

Lot

  • Lot size: 0.36 Acres
  • Features: Sidewalks

Parking

  • Total spaces: 2
  • Parking features: 2 Car,Attached,Garage Door Opener
  • 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 WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Tornado

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 $2,765$33,180
Home Insurance *$257$3,084
Property Taxes $708$8,496
Electricity $270$3,245
Total$4,000$48,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$137,142/yr
40% on housing$120,000/yr
45% on housing$106,666/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$190This listing

vs Other Active Listings

Avg $/sqft

ZIP 53545$170
Rock County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 53545$151
Rock County$167

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
2026-03-27Listed for sale$570,000
2025-12-18Sold$415,000
2025-12-12Contingent$446,000
2025-10-10Price change$446,000
2025-08-26Price change$463,500
2025-08-15Listed for sale$473,500
2025-08-15Listing removed$479,500
2025-07-21Price change$479,500
2025-06-11Price change$497,500
2025-05-14Listed for sale$509,000
2014-12-08Sold$205,000
2014-06-28Price change$209,900
2014-06-14Price change$214,900
2013-04-28Price change$225,000
2012-07-28Price change$249,900
2012-03-16Listed for sale$274,000

For Sale by Agent

AgentBilly Shipler
BrokerageRock Realty

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