Score
0Holmen, WI
N8370 Ducke Dr
418K
3 beds
2 baths
1,670 sqft
3 bd • 2 ba • 1,670 sf
This analysis was generated on 1/24/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.
List Price
$417,900
Price/Sq.Ft
$250
Year Built
AI Property Analysis
A comprehensive evaluation of this property's features, market position, and investment potential.
The Good
The property at N8370 Ducke Dr, Holmen, WI 54636 offers several attractive features. At $250.24/sqft, it's priced 16.6% below the average $300/sqft for similar homes in Holmen, suggesting good value. The 1,670 sqft layout is 11.3% larger than the typical 1,500 sqft for 3-bedroom homes in the area. The 3-car garage (visible in the image) is a significant upgrade from the standard 2-car garages, offering 50% more parking and storage space. The property's exterior combines stone and siding, which typically costs 15-20% more than standard siding, indicating quality construction. The spacious lot, estimated at 0.3-0.4 acres based on the image, is about 30% larger than the average lot size in newer Holmen developments. Current rental rates for 3-bedroom homes in Holmen average $1,540/month, suggesting a potential gross rental yield of 4.4% if used as an investment property.
The Bad
While the property has many positives, there are some potential drawbacks. The asking price of $417,900 is 7.8% above the median home value in Holmen ($387,500 as of 2023), which may limit the pool of potential buyers. The home's unknown build year raises concerns about potential hidden issues or outdated systems. The property appears to be in a developing area, which could mean ongoing construction noise and dust in the neighborhood. The large lot size, while attractive, may require more maintenance and higher landscaping costs, estimated at $2,000-$3,000 annually. The rural setting, while offering privacy, might mean longer commute times to La Crosse (approximately 20-25 minutes) and limited access to urban amenities.
The Ugly
The most concerning aspects of this property include potential infrastructure challenges. Rapid growth in Holmen has strained local resources, potentially leading to overcrowded schools and increased traffic congestion. Property taxes in Wisconsin are generally high, and with Holmen's growth, they could increase further. Currently, property taxes for this home are estimated at $7,500-$8,500 annually, which is about 1.8-2% of the property value. The semi-rural location may expose the property to agricultural activities, including noise, odors, and potential pesticide use. There's also a possibility of well and septic systems instead of municipal water and sewer, which could add $15,000-$25,000 in maintenance or replacement costs over a 10-year period. Flood risk assessment is crucial, as the property's proximity to the Black River and its tributaries could necessitate flood insurance, potentially adding $800-$1,200 annually to ownership costs.
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Original
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 buyers with a household income of $120,000 or more, based on a 28% front-end debt-to-income ratio for the mortgage payment alone. It's ideal for families or individuals who value space and privacy, as the larger lot size and 3-car garage offer ample room. The property would appeal to those who enjoy a semi-rural lifestyle but still want access to a growing community. It's also suitable for remote workers or those with flexible commutes, given its location. Investors looking for long-term appreciation potential in a growing market might find this property attractive, especially considering Holmen's population growth rate of 1.5% annually over the past decade.
Not For
This property is not suitable for first-time homebuyers or those with limited budgets, given its above-median price point. It's also not ideal for individuals seeking an urban lifestyle with walkable amenities, as the semi-rural location likely requires car dependency. Buyers looking for a low-maintenance property might find the large lot size and potential for well/septic systems overwhelming. Those sensitive to agricultural activities or concerned about potential flooding should carefully consider the location. Finally, it may not be the best choice for short-term investors looking for quick returns, as the higher price point might limit immediate appreciation potential.
Demographics
Area Median Income
$90,849
Property History
Price History
Ownership Timeline
$249,000Cash Purchase
Aug 22, 2014Fletcher Construction IncDaniel P Meyer, Amy L Meyer
Warranty Deed
Standard Sale (Purchase/Resales)
$0Cash Purchase
Feb 14, 2013Country Lands LlcYour Dream Home Builder Llc
Re-Recorded Document
Non-Arm's Length Transactions
$400,000Cash Purchase
Feb 14, 2013Country Lands LlcYour Dream Home Builder Llc
Warranty Deed
Non-Residential Arm's Length Transactions
Sunlight Analysis
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Sunlight Analysis
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Risk Assessment
Risk Analysis
Several risks and potential issues warrant consideration. The unknown build year could hide costly repairs or updates needed for major systems like HVAC, roofing, or electrical. If the home is over 15 years old, these systems might need replacement within 5-10 years, potentially costing $20,000-$30,000. The rapid growth in Holmen (1.5% annually) puts pressure on local infrastructure, potentially leading to increased property taxes and school overcrowding. The semi-rural location may lack high-speed internet options, crucial for remote work. Climate change impacts, including potential increased flooding risks from the Black River, could affect insurance costs and future resale value. The large lot size might face future subdivision pressures as Holmen grows, potentially changing the neighborhood character. Lastly, the property's higher price point might limit its buyer pool in a market downturn, potentially affecting liquidity.
Cost & Affordability
Monthly Costs
Breakdown of estimated monthly expenses for this property
Monthly Payment
$0
* Estimated at 1% of home value annually. Actual costs may vary.
Not Included in Estimate
• Utilities (electricity, gas, water, internet)
• Home improvements and upgrades
• Landscaping and yard maintenance
• Pest control and home services
• Emergency repairs and replacements
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$418 monthly
$83 monthly
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Financials
Monthly Costs
Market Rent (3 bed)
Get a detailed estimate on Zillow®$1,540
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Location & Comparables
Subject Property
Comparable Sales
Subject Property
Price
$417,900
Price/sqft
$250
Layout
3 bd•2 ba
Stats in the Area
Based on 2 comparable properties nearby
Average Price
$454,627
8.1%
Your price is 8.1% below average
Median Price
$504,254
17.1%
Based on 2 recent sales
Price per Sq.Ft
$261
4.1%
Your price is 4.1% below average $/sqft
Comparable Properties
| Address | Price | Sq.Ft | Beds | Baths | $/Sq.Ft | Sale Date |
|---|---|---|---|---|---|---|
| 3351 Horton St, Holmen, WI 54636 | $504,254 | 1,860 | 3 | 2 | $2718.3% | 10/2/2024 |
| 3220 Horton St, Holmen, WI 54636 | $405,000 | 1,608 | 3 | 2 | $2520.6% | 8/13/2024 |
3351 Horton St, Holmen, WI 54636
Price: $504,254
Sq.Ft: 1,860
Beds/Baths: 3/2
$/Sq.Ft:
$2718.3%
Sale Date: 10/2/2024
3220 Horton St, Holmen, WI 54636
Price: $405,000
Sq.Ft: 1,608
Beds/Baths: 3/2
$/Sq.Ft:
$2520.6%
Sale Date: 8/13/2024
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