Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$309,611$171 / 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 80How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $107,900 on May 1, 1993

21 SPEAR CIR

MADISON, WI 53713
4
Beds
2
Baths
1,813 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.
0.3 ac
Lot SizeThe size of the land the home sits on, from county records.
1993
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$310K
$249K low$370K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$107,900 · May 1, 1993
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$46,201
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$36,961
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.63%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$110,000
SUMMIT CU · recorded Nov 29, 2012
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$103,410
SUMMIT CU
3rd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$50,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,042 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$361,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$94,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$267,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$361,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$361,200

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.28
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
21
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
62
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
55
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
3
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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.Bi-Level
CountyDane
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1994
Lot (acres)The size of the land the home sits on, from county records.0.30
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 192 ft²Patio · 126 ft²

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

M
Sennett Middle SchoolC+
Middle · Grades 6–8 · 3.5 mi
H
LaFollette High SchoolB-
High · Grades 9–12 · 3.6 mi
E
Southside Elementary SchoolC
Elementary · Grades PK–5 · 4.2 mi

District: Madison Metropolitan School District

Neighborhood · ZIP 53713These 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.128
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.21

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.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.22,644
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,368 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,222
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$78,431
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

21 Spear Cir 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 77% of homes in Dane County
  • Costs less per square foot than 87% of homes in Indian Springs
  • Bigger than 85% of homes in Indian Springs
  • Has a bigger lot than 97% of homes in Indian Springs
  • Newer than 93% of homes in Indian Springs

What homes are worth in Madison 53713

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

This home
$89K$1.2M

This home is worth more than 60% of homes in Madison 53713.

How it measures up in Madison 53713

The dot is this home. The mark in the middle is the typical home in Madison 53713.

Estimated value$309,611
CheaperTypical $283,480Pricier

Pricier than 60% of homes nearby

Price per ft²$171
CheaperTypical $186Pricier

Pricier than 38% of homes nearby

Living area1,813 ft²
SmallerTypical 1,557 ft²Bigger

Bigger than 64% of homes nearby

Lot size0.3 ac
SmallerTypical 0.25 acBigger

Bigger than 68% of homes nearby

Year built1993
OlderTypical 1973Newer

Newer than 89% of homes nearby

How 21 Spear Cir ranks against every home in each area.
MeasureThis homeIndian SpringsMadison 53713Dane County
Estimated valuepricier than$309,61156% of homes60% of homes23% of homes
Price per ft²pricier than$17113% of homes38% of homes14% of homes
Living areabigger than1,813 ft²85% of homes64% of homes57% of homes
Lot sizebigger than0.3 ac97% of homes68% of homes63% of homes
Year builtnewer than199393% of homes89% of homes67% of homes

About 21 Spear Cir

How much is 21 Spear Cir, Madison, WI worth?

The TopHap Estimate for 21 Spear Cir, Madison, WI is $309,611 as of Jul 14, 2026. The likely range is $248,933 to $370,289. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 21 Spear Cir, Madison, WI last sell?

21 Spear Cir, Madison, WI last sold on May 1, 1993 for $107,900, according to the county's recorded deed.

How big is 21 Spear Cir, Madison, WI?

21 Spear Cir, Madison, WI has 4 bedrooms, 2 bathrooms, 1,813 square feet of living space and a 0.30-acre lot.

When was 21 Spear Cir, Madison, WI built?

21 Spear Cir, Madison, WI was built in 1993, making it 33 years old. It is a bi-level home. The building has 1 story.

What schools serve 21 Spear Cir, Madison, WI?

21 Spear Cir, Madison, WI is assigned to Sennett Middle School (middle), rated C+; LaFollette High School (high), rated B-; Southside Elementary School (elementary), rated C. All sit in Madison Metropolitan School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 21 Spear Cir, Madison, WI compare to other homes in Madison 53713?

Among the 3,470 homes in Madison 53713, it is worth more than 60% of them ($309,611 against a typical $283,480), its price per square foot is higher than 38% of them ($171 against a typical $186), it is bigger than 64% of them (1,813 ft² against a typical 1,557 ft²), its lot is bigger than 68% of them (0.3 ac against a typical 0.25 ac) and it is newer than 89% of them (1993 against a typical 1973). Measured against all of Dane County, it is worth more than 23% 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 21 Spear Cir, Madison, WI?

The 2024 property tax bill for 21 Spear Cir, Madison, WI was $6,042. The county assessed it at $361,200.

Closest homes

More homes in Madison 53713

Assigned schools

Explore the area

See this home in context

Open 21 Spear Cir on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map