N14054 Linden Ave · Fifield, WI 54524

$109,900

2 bd · 1.0 ba · 1,082 sqft · Other · 42 Days on market

Built 1977 0.34 ac lot $102/sqft · 30% below area Est $156k · 30% under

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Why this score? — see what drove the C+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +18.7/30.0
• ARV discount +15.0/15.0
• Appreciation +9.0/10.0
• DSCR +5.9/10.0
• 1% rule +3.9/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0

Listing remarks MLS

Tucked in the heart of the Northwoods, this charming retreat offers a peaceful blend of comfort and adventure. Set on a . 34-acre open lot framed by pines and scattered trees, it’s the perfect mix of sunshine and privacy. Inside, warm wood accents and abundant windows create a bright, inviting feel throughout the 2 bedroom, 1 bath home, which has received many updates over the years including siding, windows, water heater, furnace, and more. The layout is efficient and low-maintenance, ideal for easy living or a weekend escape. The screened porch and mudroom is a true highlight, featuring rustic barnwood touches and a cozy space to relax while listening to rain on the metal roof. The open concept social area provides a spacious feel and comfortable space for entertaining guests. Outside, the 24x36 insulated, heated garage is a standout, complete with a workbench area, updated electrical wiring, and plenty of room for toys, hobbies, or projects. This sits alongside a patio space for grilling or unwinding, a large yard to stretch out and enjoy the outdoors, a firepit area, and an additional 10x10 shed for extra storage. The property is being sold turn-key with furnishings, dishware, decor, tools, and most items on premises included for you to enjoy from day one. Adventure is never far from your doorstep with direct access to ATV and snowmobile trails, plus close proximity to the Flambeau River, Chequamegon National Forest, several lakes, and nearby parks. From quiet mornings to action-filled weekends, this location delivers year-round enjoyment. Take a look to make this affordable property your gateway to the Northwoods for relaxation, fun, and recreation year round!!

Key facts

• 0.34 acre lot
• 2 garage spots
• Built 1977

Property features AI

Exterior

• Parking: Detached heated 2-car garage
• Utilities: Municipal water; Municipal sewer
• Home design: Single-family, 1-story home; Metal roof
• Construction: Built as single-story construction
• Exterior features: Vinyl exterior; Lot of approximately 0.34 acres (less than 1/2 acre)

Interior

• Kitchen: Kitchen on main level; Refrigerator; Microwave
• Bedrooms: Main-level master bedroom (17 x 10); Main-level second bedroom (12 x 13)
• Flooring: Carpet
• Bathrooms: One full bathroom
• Heating & cooling: Forced air heating; Natural gas heat
• Interior features: Carpet flooring throughout
• Laundry & utility: Main-level utility room (5 x 6)

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath other listed at $110k.

Deal economics

• At list price, monthly cash flow is $108 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $98k (10.9% below list).
• Recommended offer: $98k (10.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Chequamegon School District (rural): math 25% / reading 29% proficiency, ranked #303 of 342 in WI (top 89%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 9 active listings in the ZIP; 47 units permitted in Price County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $10k of equity ($760 loan paydown + $9k appreciation (8.0% local appreciation)).
• Price County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (8.0% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 42 days — a 3% lower offer ($107k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $32k; list at $110k implies a 238% gain — meaningful room to come down on a strong offer.

Recommended offer $97,880 (10.9% below list)

Questions for the listing agent

1. It's been on market 42 days. Have you received any prior offers? Is the seller open to a 11% concession, seller financing, or rate buy-down credit?
2. Built in 1977 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
5. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
6. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.89% ✗
• Cap rate: 7.47%
• Cash-on-cash: 4.21%
• DSCR: 1.19
• GRM: 9.4

CMA / ARV

• ARV (median comp): $156,243
• List price: $109,900
• Delta: -29.66%
• Verdict: UNDERPRICED
• Comps: 11 within 1.0 mi

Projected returns pro-forma

7.96% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 23.1%
• Equity multiple: 2.68×
• Total profit: $51,827
• Equity at exit: $83,198

10-year hold

• IRR: 21.1%
• Equity multiple: 5.72×
• Total profit: $145,163
• Equity at exit: $164,865

Cash invested: $30,772 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 73 Landlord-Friendly
• State Wisconsin: 73 Landlord-Friendly · R+2
• County: — inherits STATE
• City: — inherits STATE

5-day notice; preempted; Madison / Milwaukee have some local enforcement.

Methodology + full state rankings →

ZIP-level market 54524

• Home prices YoY: 3.6%
• Active inventory: 9
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $979 medium
• Mortgage (P&I): −$576
• Tax from tax record: −$43 /mo · $518/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$206
• Net cashflow: $108

Break-even live

Break-even rent $842

Max offer price $109,900

Occupancy floor 84%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $27,475
• Closing costs: $3,297
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-18
   days on market $109,900 Active 42 DOM
2. 2026-06-17
   days on market $109,900 Active 41 DOM
3. 2026-06-16
   days on market $109,900 Active 40 DOM
4. 2026-06-15
   days on market $109,900 Active 39 DOM
5. 2026-06-15
   days on market $109,900 Active 38 DOM
6. 2026-06-13
   days on market $109,900 Active 37 DOM
7. 2026-06-12
   days on market $109,900 Active 36 DOM
8. 2026-06-09
   days on market $109,900 Active 33 DOM
9. 2026-06-08
   days on market $109,900 Active 32 DOM
10. 2026-06-08
    days on market $109,900 Active 31 DOM
11. 2026-06-05
    days on market $109,900 Active 29 DOM
12. 2026-06-03
    days on market $109,900 Active 27 DOM
13. 2026-06-02
    days on market $109,900 Active 26 DOM
14. 2026-06-01
    days on market $109,900 Active 25 DOM
15. 2026-05-31
    days on market $109,900 Active 24 DOM
16. 2026-05-06
    listed $109,900 Active 1700-char remark

    Show marketing remark (1700 chars)

    Tucked in the heart of the Northwoods, this charming retreat offers a peaceful blend of comfort and adventure. Set on a . 34-acre open lot framed by pines and scattered trees, it’s the perfect mix of sunshine and privacy. Inside, warm wood accents and abundant windows create a bright, inviting feel throughout the 2 bedroom, 1 bath home, which has received many updates over the years including siding, windows, water heater, furnace, and more. The layout is efficient and low-maintenance, ideal for easy living or a weekend escape. The screened porch and mudroom is a true highlight, featuring rustic barnwood touches and a cozy space to relax while listening to rain on the metal roof. The open concept social area provides a spacious feel and comfortable space for entertaining guests. Outside, the 24x36 insulated, heated garage is a standout, complete with a workbench area, updated electrical wiring, and plenty of room for toys, hobbies, or projects. This sits alongside a patio space for grilling or unwinding, a large yard to stretch out and enjoy the outdoors, a firepit area, and an additional 10x10 shed for extra storage. The property is being sold turn-key with furnishings, dishware, decor, tools, and most items on premises included for you to enjoy from day one. Adventure is never far from your doorstep with direct access to ATV and snowmobile trails, plus close proximity to the Flambeau River, Chequamegon National Forest, several lakes, and nearby parks. From quiet mornings to action-filled weekends, this location delivers year-round enjoyment. Take a look to make this affordable property your gateway to the Northwoods for relaxation, fun, and recreation year round!!

17. 2026-05-06
    listed $109,900 Active 1099-char remark

    Show marketing remark (1700 chars)

    Tucked in the heart of the Northwoods, this charming retreat offers a peaceful blend of comfort and adventure. Set on a . 34-acre open lot framed by pines and scattered trees, it’s the perfect mix of sunshine and privacy. Inside, warm wood accents and abundant windows create a bright, inviting feel throughout the 2 bedroom, 1 bath home, which has received many updates over the years including siding, windows, water heater, furnace, and more. The layout is efficient and low-maintenance, ideal for easy living or a weekend escape. The screened porch and mudroom is a true highlight, featuring rustic barnwood touches and a cozy space to relax while listening to rain on the metal roof. The open concept social area provides a spacious feel and comfortable space for entertaining guests. Outside, the 24x36 insulated, heated garage is a standout, complete with a workbench area, updated electrical wiring, and plenty of room for toys, hobbies, or projects. This sits alongside a patio space for grilling or unwinding, a large yard to stretch out and enjoy the outdoors, a firepit area, and an additional 10x10 shed for extra storage. The property is being sold turn-key with furnishings, dishware, decor, tools, and most items on premises included for you to enjoy from day one. Adventure is never far from your doorstep with direct access to ATV and snowmobile trails, plus close proximity to the Flambeau River, Chequamegon National Forest, several lakes, and nearby parks. From quiet mornings to action-filled weekends, this location delivers year-round enjoyment. Take a look to make this affordable property your gateway to the Northwoods for relaxation, fun, and recreation year round!!

18. 2004-02-12
    soldstatus $32,500
19. 2002-03-25
    soldstatus $30,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast WI · Partial reset (capped growth)

• Current annual tax: $518 · $43/mo
• Projected year-2 tax: $1,276 · $106/mo
• Expected delta: +$758/yr (+$63/mo · 146.2%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 1/10 Low 7 d/yr ≥92°F today · 13 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,746
• − Mortgage interest: −$6,156
• − Property taxes: −$518
• − Insurance: −$550
• − Repairs & maintenance: −$940
• − Management: −$940
• − Depreciation: −$3,197
• Taxable loss: −$554
• Est. tax savings @ 24.0%: +$133
• After-tax cash flow: $1,429/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Chequamegon School District
• NCES district ID: 5500058
• Math proficiency: 25% ▼ -18.00%
• Reading proficiency: 29% ▼ -9.00%
• Median HH income: $42,432
• Composite: 22.98/100
• National rank: #7984
• State rank: #303 of 342 in WI

Livability — Fifield

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Population (ZIP): 682

Population outlook (Price County) Hauer SSP2

• Today (2025): 12,757 people
• By 2030: 12,157 · -4.7%
• By 2040: 10,761 · -15.6%
• By 2050: 9,515 · -25.4%
• By 2075: 8,293 · -35.0%
• By 2100: 7,470 · -41.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (98%)
• Race & ethnicity: White 98% Two or more races 2%
• Common ancestry: Portuguese 7% Romanian 5% Lithuanian 2%
• Foreign-born: 2% · Canada

Political lean MEDSL · Price

• 2024 margin: Solid R (+31.1) · D 33.9% · R 65.1%
• 2008→2024 swing: -44.5pp toward R · 2008: 13.4pp · 2024: -31.1pp
• All cycles: 2024: R+31.1 2020: R+27.6 2016: R+25.0 2012: D+0.0 2008: D+13.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 7.96%
• Current HPI: 226.0184
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.10%
• F500 in state: 20

Industry mix (Fortune 500 HQ in WI)

Industry	F500 HQs	Revenue
▸Industrial Machinery	4	$23B
▸Industrial Technology	2	$36B
▸Insurance	1	$36B
▸Professional Services	1	$19B
▸Utilities	1	$9B
▸Consumer Goods	1	$3B

Price history

+266.3% since first listed

4 events — show timeline

• 2026-05-06 Listed $109,900 GNMLS
• 2026-05-06 Listed $109,900 CWMLS
• 2004-02-12 Sold (Public Records) $32,500 Public Records
• 2002-03-25 Sold (Public Records) $30,000 Public Records

Property tax history

-2.4%/yr

Latest (2025): $518 · +2.2% YoY. Source: county tax records.