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Single Family ResidentialResidential
$207,010
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 76How 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

124 E SPRUCE ST

EAGLE RIVER, WI 54521
0
Baths
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$207K
$158K low$256K high
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.$101,510
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$81,208
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.48%
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.$65,000
PEOPLES STATE BANK · recorded Mar 8, 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.$40,500
PEOPLES STATE BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,393 (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.$209,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$22,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$186,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$209,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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 Residential
CountyVilas
Lot (acres)The size of the land the home sits on, from county records.0.14

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

H
Northland Pines Middle and High SchoolA-
High · Grades 7–12 · 1.3 mi
E
Northland Pines Elementary-Eagle RiverC+
Elementary · Grades PK–6 · 1.3 mi

District: Northland Pines School District

Neighborhood · ZIP 54521These 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.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.78
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.14

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.51%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.7,984
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.35 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,629
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,601
Average tempThe average temperature here across a full year.40°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%

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.Yes

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

124 E 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 85% of homes in Vilas County
  • Among the smallest lots in Eagle River 54521

What homes are worth in Eagle River 54521

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

This home
$75K$1.3M

This home is worth more than 16% of homes in Eagle River 54521.

How it measures up in Eagle River 54521

The dot is this home. The mark in the middle is the typical home in Eagle River 54521.

Estimated value$207,010
CheaperTypical $386,113Pricier

Pricier than 16% of homes nearby

Lot size0.14 ac
SmallerTypical 1.61 acBigger

Smaller than almost all homes nearby

How 124 E Spruce St ranks against every home in each area.
MeasureThis homeEagle River 54521Vilas County
Estimated valuepricier than$207,01016% of homes15% of homes
Lot sizebigger than0.14 acalmost no homesalmost no homes

About 124 E Spruce St

How much is 124 E Spruce St, Eagle River, WI worth?

The TopHap Estimate for 124 E Spruce St, Eagle River, WI is $207,010 as of Jul 14, 2026. The likely range is $158,136 to $255,884. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

What schools serve 124 E Spruce St, Eagle River, WI?

124 E Spruce St, Eagle River, WI is assigned to Northland Pines Middle and High School (high), rated A-; Northland Pines Elementary-Eagle River (elementary), rated C+. All sit in Northland Pines School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 124 E Spruce St, Eagle River, WI compare to other homes in Eagle River 54521?

Among the 8,717 homes in Eagle River 54521, it is worth more than 16% of them ($207,010 against a typical $386,113) and its lot is bigger than almost none of them (0.14 ac against a typical 1.61 ac). Measured against all of Vilas County, it is worth more than 15% 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 124 E Spruce St, Eagle River, WI?

The 2025 property tax bill for 124 E Spruce St, Eagle River, WI was $2,393. The county assessed it at $209,000.

More homes on E Spruce St

Closest homes

More homes in Eagle River 54521

Assigned schools

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