3050 27th St S
La Crosse, WI 54601
$274,900
3 bd · 2 ba · 1,634 sqft · Listed 1d ago
View on Realtor.com →Year built
1948
Sqft
1,634
Lot sqft
8,276
HOA / mo
None
Furnished
No
List date
2026-10-21T16:07:40.000000Z
Revenue
Annual revenue
$38,394
ADR
$212
Occupancy
50%
Cleaning fees (12 mo)
$5,417
Confidence
Med (52.07), 14 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $35,091
The Bluffside Bungalow on the South Side La Crosse
House · 3 bd · 1 ba · sleeps 6 · 0.2 mi
- A/C
- Free parking
- Pets OK
- Wifi
- +2
Revenue $17,789ADR $176Occ ≈ 28%4.7★ (13)
Cozy Cottage on the Corner
House · 3 bd · 2 ba · sleeps 7 · 1.0 mi
Revenue $64,587ADR $349Occ ≈ 51%5★ (16)
Delisted
River City Basecamp
Guest suite · 3 bd · 1 ba · sleeps 7 · 1.1 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +1
Revenue $8,174ADR $151Occ ≈ 15%5★ (15)
Lovely La Crosse bungalow
House · 3 bd · 2 ba · sleeps 6 · 1.7 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +2
Revenue $22,314ADR $160Occ ≈ 38%4.8★ (26)
Charming Southside Home
House · 3 bd · 2 ba · sleeps 8 · 1.7 mi
- A/C
- Free parking
- Pets OK
- Wifi
- +2
Revenue $63,085ADR $286Occ ≈ 60%5★ (47)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
The Bluffside Bungalow on the South Side La Crosse House
| 3 bd · 1 ba · sleeps 6 | $17,789 | $176 | 28% | 4.7★ (13) | 0.2 mi | Airbnb |
Cozy Cottage on the Corner House | 3 bd · 2 ba · sleeps 7 | $64,587 | $349 | 51% | 5★ (16) | 1.0 mi | Delisted |
'RiverSong' Waterfront La Crosse Home w/ Dock House
| 3 bd · 2 ba · sleeps 6 | $71,030 | $266 | 73% | 5★ (200) | 1.1 mi | AirbnbVrboBooking |
River City Basecamp Guest suite
| 3 bd · 1 ba · sleeps 7 | $8,174 | $151 | 15% | 5★ (15) | 1.1 mi | Airbnb |
Cheerful home with driveway and backyard! House
| 3 bd · 1.5 ba · sleeps 6 | $36,414 | $226 | 44% | 4.8★ (123) | 1.1 mi | AirbnbVrbo |
The River House • Fishing • Duck Hunting • Dock House
| 3 bd · 1.5 ba · sleeps 8 | $21,891 | $331 | 18% | 5★ (8) | 1.2 mi | AirbnbVrbo |
NEST - Cozy, Stylish, & Relaxing & Newly updated! House
| 3 bd · 1.5 ba · sleeps 6 | $40,465 | $222 | 50% | 5★ (59) | 1.4 mi | AirbnbVrbo |
Adventurer’s Retreat House
| 3 bd · 2.5 ba · sleeps 10 | $33,752 | $463 | 20% | 5★ (37) | 1.5 mi | AirbnbVrbo |
Lovely La Crosse bungalow House
| 3 bd · 2 ba · sleeps 6 | $22,314 | $160 | 38% | 4.8★ (26) | 1.7 mi | Airbnb |
Charming Southside Home House
| 3 bd · 2 ba · sleeps 8 | $63,085 | $286 | 60% | 5★ (47) | 1.7 mi | Airbnb |
Show 4 more
Cozy 3BR Apt by Mayo, 50-ft Parking
Apartment · 3 bd · 1 ba · sleeps 6 · 1.9 mi
- A/C
- Free parking
- Wifi
- Kitchen
Revenue $44,575ADR $165Occ ≈ 74%5★ (218)
Charming Bungalow centrally located - cute porch!
House · 3 bd · 1.5 ba · sleeps 6 · 2.0 mi
- A/C
- Free parking
- Pets OK
- Wifi
- +2
Revenue $33,588ADR $278Occ ≈ 33%4.9★ (122)
Modern Driftless Getaway. Dogs and Family Friendly
House · 3 bd · 2.5 ba · sleeps 8 · 2.0 mi
- A/C
- Free parking
- Pets OK
- Wifi
- +3
Revenue $33,767ADR $223Occ ≈ 41%4.8★ (179)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Downtown Boho Home w/Office, Yoga Studio,King Bed House
| 3 bd · 2 ba · sleeps 8 | $48,013 | $258 | 51% | 4.8★ (28) | 1.7 mi | AirbnbVrboBooking |
Cozy 3BR Apt by Mayo, 50-ft Parking Apartment
| 3 bd · 1 ba · sleeps 6 | $44,575 | $165 | 74% | 5★ (218) | 1.9 mi | Airbnb |
Charming Bungalow centrally located - cute porch! House
| 3 bd · 1.5 ba · sleeps 6 | $33,588 | $278 | 33% | 4.9★ (122) | 2.0 mi | Airbnb |
Modern Driftless Getaway. Dogs and Family Friendly House
| 3 bd · 2.5 ba · sleeps 8 | $33,767 | $223 | 41% | 4.8★ (179) | 2.0 mi | Airbnb |
Revenue and nightly rate (ADR) are trailing-12-month figures per listing. Occupancy is estimated as revenue ÷ ADR ÷ 365 and can read high when revenue includes cleaning fees.
Cash flow calculator
Est. revenue
$38,394
NOI
$18,428
Cash flow /mo
$1,536
Cash needed
$305,396
Cash-on-cash (all cash)
6.0%
ROE (yr 1)
8.7%
Cap rate
6.7%
DSCR
—
Year-1 write-off
$81,988
Year-1 tax shield @ 32%
$26,236
Year-1 return on equity
- Cash flow (annual)$18,428
- Principal paydown (n/a, cash)$0
- Appreciation at%$8,247
Tax savings aren't counted. Turn on “Count tax savings in returns” above if you can use the losses.
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$7,679
- Platform fees (3% of revenue)$1,152
- Maintenance / capex (5% of revenue)$1,920
- Utilities & supplies$4,200
- HOA$0
- Property tax$3,655
- Insurance (STR-rated)$1,361
Cash needed to close
- Purchase price (all cash)$274,900
- Closing costs (4.0%)$10,996
- Furnishing (bought new)$19,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$26,236
Property tax, insurance rate and the land/building split come from this listing's county tax record; other assumptions match the daily feed (see tasks/plan.md).
The write-off comes from the cost segregation estimate below. Not tax advice.
Cost segregation estimate
An estimate from the listing: every part of the home is priced from national construction costs, less wear for age, and the price (less land) is spread over the parts in proportion. The headline is what a typical cost seg study would claim for this property. The answers below are optional refinements.
Depreciable basis
$232,000
Short-life (5/15-yr)
$62,000 · 27%
Year-1 deduction
$82,000
Year-1 tax shield @ 32%
$26,000
Land 16% (county tax record, assessed value split) · building $169,000 over 39 years · new furniture $20,000
Based on: 1,634 sq ft, built 1948, 3 bd / 2 ba, unfurnished, listing features (patio, fence, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $65,000 in year 1 (20% short-life, $21,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $6,700
Kitchen cabinetsdefault
$9,400 new × 40% good × 1.78 allocation
- $5,500
Kitchen countertopsdefault
$7,700 new × 40% good × 1.78 allocation
- $2,000
Decorative trimdefault
$2,900 new × 40% good × 1.78 allocation
- $200
Mirrorsdefault
$300 new × 40% good × 1.78 allocation
- $900
Shelvingdefault
$1,200 new × 40% good × 1.78 allocation
- $2,800
Window coverings (16)default
$4,000 new × 40% good × 1.78 allocation
- $3,000
Carpet, vinyl & laminate (40% of floors)default
$4,200 new × 40% good × 1.78 allocation
- $5,200
Kitchen & laundry equipment plumbingdefault
$7,300 new × 40% good × 1.78 allocation
- $3,100
Kitchen, laundry & data equipment electricaldefault
$4,400 new × 40% good × 1.78 allocation
- $5,000
Appliances (range, dishwasher, refrigerator, washer, dryer)listing
$7,000 new × 40% good × 1.78 allocation
- $19,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
- $7,500
Paving: driveway & walks (paved)listing
$8,400 new × 50% good × 1.78 allocation
- $7,200
Landscaping (typical)default
$8,100 new × 50% good × 1.78 allocation
- $6,500
Patioslisting
$7,400 new × 50% good × 1.78 allocation
- $1,400
Decks & porches (attached)default
$1,600 new × 50% good × 1.78 allocation
- $5,300
Fencinglisting
$6,000 new × 50% good × 1.78 allocation
- $125,900
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$177,000 new × 40% good × 1.78 allocation
- $13,100
Building plumbing & fixturesdefault
$18,400 new × 40% good × 1.78 allocation
- $12,800
Building electrical & lightingdefault
$18,000 new × 40% good × 1.78 allocation
- $13,100
HVACdefault
$18,400 new × 40% good × 1.78 allocation
- $4,500
Hardwood & tile floorsdefault
$6,300 new × 40% good × 1.78 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $53,900 | $27,900 | $200 | $82,000 |
| 2 | $0 | $0 | $4,300 | $4,300 |
| 3 | $0 | $0 | $4,300 | $4,300 |
| 4 | $0 | $0 | $4,300 | $4,300 |
| 5 | $0 | $0 | $4,300 | $4,300 |
| 6+ | $0 | $0 | $151,800 | $151,800 |
| Total | $53,900 | $27,900 | $169,400 | $251,200 |
Model-based estimate, not an engineered cost segregation study. The IRS doesn’t approve studies; get a professional study before filing. Using these losses against W-2 income needs the short-term rental exception (average stay ≤7 days + material participation). The 39-year building life applies because stays average under 30 days, a separate test (27.5 years for a long-term rental). Federal only: California, Georgia and Wisconsin disallow bonus depreciation, Ohio adds back 5/6 of it, and Tennessee has no personal income tax. Not tax advice.
Market note
Rules differ by jurisdiction. The City of La Crosse requires a short-term rental license ($100 a year) once you rent more than 10 nights a year, plus a Wisconsin tourist rooming house license and inspection from the La Crosse County Health Department. We found no owner-occupancy rule or night cap in the city, but the license does NOT transfer to a new owner. Onalaska allows rentals with a city permit in some zoning districts, and unincorporated towns follow La Crosse County zoning, which has its own permit and day limits. Wisconsin law lets local governments restrict stays under 7 nights. Verify parcel eligibility with the city or county before you buy.