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Single Family ResidenceResidential
$220,265$202 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $175,000 on Nov 9, 2022

109 S SPRUCE ST

CADOTT, WI 54727
2
Beds
1
Baths
1,088 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.21 ac
Lot SizeThe size of the land the home sits on, from county records.
1958
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$220K
$198K low$243K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$175,000 · Nov 9, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,217 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$106,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$96,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$106,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$181,100

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.27
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
8
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
54
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
57
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
17
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyChippewa
Lot (acres)The size of the land the home sits on, from county records.0.21
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Cadott Elementary SchoolC
Elementary · Grades PK–6 · 0.5 mi
H
Cadott High SchoolC
High · Grades 9–12 · 0.5 mi
M
Cadott Junior High SchoolA-
Middle · Grades 7–8 · 0.5 mi

District: Cadott Community School District

Neighborhood · ZIP 54727These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.123
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.10

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.5,863
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.42 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,724
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,486
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.32 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 S Spruce St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 68% of homes in Cadott 54727
  • Costs more per square foot than 73% of homes in Cadott 54727
  • Smaller than 82% of homes in Chippewa County
  • Has a smaller lot than 95% of homes in Cadott 54727

What homes are worth in Cadott 54727

Each bar is how many homes fall in that price range. The marker is this home.

This home
$75K$567K

This home is worth more than 32% of homes in Cadott 54727.

How it measures up in Cadott 54727

The dot is this home. The mark in the middle is the typical home in Cadott 54727.

Estimated value$220,265
CheaperTypical $268,220Pricier

Pricier than 32% of homes nearby

Price per ft²$202
CheaperTypical $173Pricier

Pricier than 73% of homes nearby

Living area1,088 ft²
SmallerTypical 1,404 ft²Bigger

Bigger than 20% of homes nearby

Lot size0.21 ac
SmallerTypical 2.29 acBigger

Bigger than 5% of homes nearby

Year built1958
OlderTypical 1969Newer

Newer than 39% of homes nearby

How 109 S Spruce St ranks against every home in each area.
MeasureThis homeCadott 54727Chippewa County
Estimated valuepricier than$220,26532% of homes36% of homes
Price per ft²pricier than$20273% of homes67% of homes
Living areabigger than1,088 ft²20% of homes18% of homes
Lot sizebigger than0.21 ac5% of homes6% of homes
Year builtnewer than195839% of homes48% of homes

About 109 S Spruce St

How much is 109 S Spruce St, Cadott, WI worth?

The TopHap Estimate for 109 S Spruce St, Cadott, WI is $220,265 as of Aug 30, 2026. The likely range is $197,515 to $243,015. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 S Spruce St, Cadott, WI last sell?

109 S Spruce St, Cadott, WI last sold on Nov 9, 2022 for $175,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 109 S Spruce St, Cadott, WI?

109 S Spruce St, Cadott, WI has 2 bedrooms, 1 bathrooms, 1,088 square feet of living space and a 0.21-acre lot.

When was 109 S Spruce St, Cadott, WI built?

109 S Spruce St, Cadott, WI was built in 1958, making it 68 years old. It is a ranch home. The building has 1 story.

What schools serve 109 S Spruce St, Cadott, WI?

109 S Spruce St, Cadott, WI is assigned to Cadott Elementary School (elementary), rated C; Cadott High School (high), rated C; Cadott Junior High School (middle), rated A-. All sit in Cadott Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 S Spruce St, Cadott, WI compare to other homes in Cadott 54727?

Among the 1,783 homes in Cadott 54727, it is worth more than 32% of them ($220,265 against a typical $268,220), its price per square foot is higher than 73% of them ($202 against a typical $173), it is bigger than 20% of them (1,088 ft² against a typical 1,404 ft²), its lot is bigger than 5% of them (0.21 ac against a typical 2.29 ac) and it is newer than 39% of them (1958 against a typical 1969). Measured against all of Chippewa County, it is worth more than 36% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 S Spruce St, Cadott, WI?

The 2025 property tax bill for 109 S Spruce St, Cadott, WI was $2,217. The county assessed it at $106,500.

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