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8696 Osier Ln
Saint Germain, WI

8696 Osier Ln

$325,000
2 bd • 2 ba • 1,008 sf

This analysis was generated by artificial intelligence on 1/25/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.

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AI Property Analysis

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List Price

$325,000

Price/Sq.Ft

$322

Year Built

AI Property Analysis

A comprehensive evaluation of this property's features, market position, and investment potential.

The Good

This fully furnished, 2 bedroom, 2 bath condo unit is located on Big St. Germain Lake, offering lakefront access, a shared 400' sand frontage, and a 'first come, first served' dock. It boasts a three-season room overlooking the lake, a gas log fireplace, and cathedral ceilings. The property is rental-ready, making it an attractive option for investors or those looking to offset ownership costs with rental income. The climate risk scores are generally low, with a minimal flood risk (1/10), minimal air quality risk (1/10), minimal heat risk (1/10), and minimal wind risk (1/10). The property's price per square foot is $322.42.

The Bad

The property's square footage (1,008 sqft) is relatively small for a single-family residence, which might be limiting for some buyers. The listing doesn't specify the age of the property, which could mean potential maintenance issues and higher costs down the line. The listing does not provide information about HOA fees which could impact the overall cost of ownership. The property is listed as a condo unit which typically has shared ownership of common areas which might have additional costs. The school ratings for the area are not very high with the elementary school at 4/10, the middle school at 5/10, and the high school at 7/10.

The Ugly

The property's listing history shows a significant price increase (111.7%) since 2014, which may indicate overpricing. The lack of specific details about the age of the unit raises concerns about potential major system failures in the near future. The property relies on well and septic systems, which require regular maintenance and can be costly to repair or replace. The 'first come, first serve' dock access could be a source of contention during peak seasons, and shared ownership might mean additional responsibilities and costs. The property has been on the market for 179 days which might indicate that it is overpriced or has other issues.

Who is this property for?

These details are presented solely for entertainment purposes and are not meant to steer or limit any prospective buyer.

Best For

This property is best suited for individuals or couples seeking a vacation home with rental income potential. Ideal for those who enjoy lake activities like fishing and swimming and appreciate a fully furnished, move-in-ready unit. Investors looking for a turnkey rental property in a popular vacation area may also find this appealing. The property's size is suitable for a small family or a couple looking for a weekend retreat.

Not For

This property is not ideal for those seeking a large primary residence or for families needing more than two bedrooms. The shared dock and lake frontage, while appealing, might not be suitable for buyers desiring private access. Buyers with limited tolerance for a tourist-heavy environment may find the seasonality of Saint Germain challenging. Those requiring high-speed internet or reliable cell service should verify connectivity before purchase. Additionally, buyers seeking a completely maintenance-free property should consider that the age of the unit is unknown and may require future upgrades.
Demographics
Area Median Income

$0

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Risk Assessment

Climate Risks

fireMINOR

Insurance: Recommended

floodMINIMAL

FEMA Zone: X_UNSHADED

Insurance: Optional

airMINIMAL

0 bad air quality days per year

heatMINIMAL

7 extreme heat days per year

98th percentile: 90°F

windMINIMAL

Insurance: Optional

Risk Analysis

The property's unknown build year presents a risk for potential system replacements (HVAC, plumbing, electrical). The 'first come, first served' dock access may be problematic during peak season. The significant price increase since 2014 (111.7%) warrants careful market analysis to ensure the property is not overpriced. The property's dependence on well and septic systems requires thorough inspection and maintenance. While the flood risk is minimal, the fire risk is minor and requires insurance coverage. The property's location in a remote area could lead to higher insurance costs and limited access to services. The lack of school ratings for the primary school is a potential concern for families.
Insurance
Annual Cost

$1,170

$98 per month

Financials

Monthly Costs
Market Rent (2 bed)

$0

Get a detailed rental estimate on Zillow®
HOA Fee

$208

Price History

Property Taxes

$1,561
2022 Tax Assessment
0.4%from previous year
Assessed Value$187,000
Tax Rate0.83%

Location & Comparables

Subject Property
Comparable Sales
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