USLakeFront Lake survey & intelligence

$335,000

1039 Cove Rd, Oshkosh, WI 84840

Sample listing
4
Bedrooms
2
Bathrooms
1,400
Square feet
100 ft
Shoreline
$3,350
Per shoreline ft

Low-maintenance condo with a deeded slip on Lake Winnebago. Roughly 100 feet of owned shoreline on 3.01 acres, with 4 bedrooms across 1,400 square feet. No dock. Water clarity on Lake Winnebago averages around 4 feet and the lake is classified stable for water level. Dock and shoreline work fall under Wisconsin DNR. This is a sample listing used to demonstrate the platform.

Features

Riprap shorelinePrivate dockLakeside deckDetached garageDock power and water

Property facts

Property typeHouse Year built2018 Lot size3.01 acres DockNo dock Water depth at dock14 ft ExposureSouth-facing ViewMain channel Annual taxes$3,404 HOA$120/mo Short-term rentalPermitted Listed2026-08-05
$3,246
All-in monthly
$78,290
Cash to close
$12,955
Costs beyond the obvious

Up front

Down payment$67,000
Closing costs (est. 2.4%)$8,040
Septic inspection & pump$850
Water quality testing$400
Waterfront home inspection$800
Survey (shoreline frontage)$1,200
Total$78,290

Every year

Principal & interest$21,181
Property taxes$3,404
Hazard insurance$1,407
Flood insurance$2,400
HOA / POA dues$1,440
Utilities$2,400
Maintenance reserve (1.1%)$3,685
Septic service$520
Well & water testing$260
Dock maintenance$900
Winterization / seasonal close$750
Shoreline / seawall reserve$600
Total$38,947
Adjust these assumptions →
$3,350
This home / shoreline ft
$2,806
Lake average
$239
Per square foot
Above the lake average — this property prices at $3,350 per shoreline foot against a lake average near $2,806, a difference of 19%. Shoreline frontage is the metric that drives waterfront value, and it is almost never published.
Open the analyzer →
Modeled from the lake's estimated nightly rate and occupancy. Confirm local short-term rental rules before you rely on this.
Booked nights / year171 Gross revenue$85,549 Lodging tax−$9,410 Management−$15,228 Cleaning & supplies−$20,371 Net operating income$40,540 Against annual carry$1,593
Model your own →
6.0
Lake score
D
Water grade
2 ft
Drawdown
Level stabilityStable Typical clarity4 ft Dock authorityWisconsin DNR
Full Lake Winnebago report →
Comparable

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