1013 Oak Ave N

Onalaska, WI 54650

$309,900

3 bd · 1.5 ba · 1,512 sqft · Listed 1d ago

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Low confidence

Year built

1977

Sqft

1,512

Lot sqft

9,583

HOA / mo

None

Furnished

List date

2026-11-12T21:42:08.000000Z

Revenue

Annual revenue

$23,639

ADR

$130

Occupancy

50%

Cleaning fees (12 mo)

$2,089

Confidence

Low (31.24), 9 comps

Comp revenue range (p25 / median / p75)

$6,766$16,548$23,175

Few similar-size comps were found, so all comps are shown.

Median revenue of shown comps: $16,548

3 bedroom, 2 bath Townhouse with private driveway.
Townhouse · 3 bd · 2 ba · sleeps 6 · 0.3 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +2
Revenue $44,112ADR $207Occ ≈ 58%5★ (101)
Airbnb Vrbo
Charming and comfy: 3BR home on quiet street
House · 3 bd · 2 ba · sleeps 7 · 0.5 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +2
Revenue $23,175ADR $170Occ ≈ 37%5★ (47)
Airbnb
Home Sweet Home
House · 3 bd · 2 ba · sleeps 5 · 0.5 mi
- Pool
- A/C
- Free parking
- Wifi
- +3
Revenue $17,287ADR $169Occ ≈ 28%4.6★ (28)
Airbnb Vrbo
A Spacious Homey Place To Be/ Shared property with Owner .
House · 2 bd · 2 ba · sleeps 4 · 0.7 mi
Revenue $14,658ADR $102Occ ≈ 39%4.5★ (22)
Delisted
Lake Onalaska sunset view!
House · 2 bd · 1 ba · sleeps 4 · 0.9 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +2
Revenue $5,634ADR $139Occ ≈ 11%5★ (1)
Airbnb
A Homey Place To Be
House · 2 bd · 2 ba · sleeps 4 · 0.9 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +1
Revenue $6,292ADR $114Occ ≈ 15%4.9★ (13)
Airbnb
House on onalaska Wisconsin 4 bedroom 3 Beth
House · 4 bd · 2.5 ba · sleeps 8 · 1.3 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +1
Revenue $24,226ADR $143Occ ≈ 46%4.9★ (177)
Airbnb
Driftless Escape A-Frame Cabin
Cabin · 3 bd · 1.5 ba · sleeps 6 · 1.9 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +2
Revenue $6,766ADR $306Occ ≈ 6%5★ (5)
Airbnb Vrbo
2 bedrooms and private bathroom second floor
House · 2 bd · 1 ba · sleeps 6 · 1.9 mi
Revenue $16,548ADR $121Occ ≈ 37%4.6★ (10)
Delisted

Listing	Size	Revenue (12 mo)	ADR	Occ ≈	Rating	Distance	Links
3 bedroom, 2 bath Townhouse with private driveway. Townhouse A/C Free parking Wifi Kitchen +2	3 bd · 2 ba · sleeps 6	$44,112	$207	58%	5★ (101)	0.3 mi	Airbnb Vrbo
Charming and comfy: 3BR home on quiet street House A/C Free parking Wifi Kitchen +2	3 bd · 2 ba · sleeps 7	$23,175	$170	37%	5★ (47)	0.5 mi	Airbnb
Home Sweet Home House Pool A/C Free parking Wifi +3	3 bd · 2 ba · sleeps 5	$17,287	$169	28%	4.6★ (28)	0.5 mi	Airbnb Vrbo
A Spacious Homey Place To Be/ Shared property with Owner . House	2 bd · 2 ba · sleeps 4	$14,658	$102	39%	4.5★ (22)	0.7 mi	Delisted
Lake Onalaska sunset view! House A/C Free parking Wifi Kitchen +2	2 bd · 1 ba · sleeps 4	$5,634	$139	11%	5★ (1)	0.9 mi	Airbnb
A Homey Place To Be House A/C Free parking Wifi Kitchen +1	2 bd · 2 ba · sleeps 4	$6,292	$114	15%	4.9★ (13)	0.9 mi	Airbnb
House on onalaska Wisconsin 4 bedroom 3 Beth House A/C Free parking Wifi Kitchen +1	4 bd · 2.5 ba · sleeps 8	$24,226	$143	46%	4.9★ (177)	1.3 mi	Airbnb
Driftless Escape A-Frame Cabin Cabin A/C Free parking Wifi Kitchen +2	3 bd · 1.5 ba · sleeps 6	$6,766	$306	6%	5★ (5)	1.9 mi	Airbnb Vrbo
2 bedrooms and private bathroom second floor House	2 bd · 1 ba · sleeps 6	$16,548	$121	37%	4.6★ (10)	1.9 mi	Delisted

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

Financing

Management

Purchase priceAlready furnishedTax bracketCount tax savings in returnsOnly if you can use the losses (STR loophole)

Est. revenue

$23,639

NOI

$6,794

Cash flow /mo

$566

Cash needed

$341,796

Cash-on-cash (all cash)

2.0%

ROE (yr 1)

4.7%

Cap rate

2.2%

DSCR

—

Year-1 write-off

$82,100

Year-1 tax shield @ 32%

$26,272

Year-1 return on equity

Cash flow (annual)$6,794
Principal paydown (n/a, cash)$0
Appreciation at%$9,297

ROE4.7%

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)$4,728
Platform fees (3% of revenue)$709
Maintenance / capex (5% of revenue)$1,182
Utilities & supplies$4,200
HOA$0
Property tax$4,492
Insurance (STR-rated)$1,534

Cash needed to close

Purchase price (all cash)$309,900
Closing costs (4.0%)$12,396
Furnishing (bought new)$19,500

Tax savings if the STR loophole applies

Tax shield @ 32%$26,272

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

$247,000

Short-life (5/15-yr)

$62,000 · 25%

Year-1 deduction

$82,000

Year-1 tax shield @ 32%

$26,000

Land 20% (county tax record, assessed value split) · building $184,000 over 39 years · new furniture $20,000

Based on: 1,512 sq ft, built 1977, 3 bd / 1.5 ba, unfurnished, listing features (patio, fireplace, appliance list).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $64,000 in year 1 (18% short-life, $20,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$57,000

Kitchen cabinetsdefault
$9,100 new × 40% good × 2.07 allocation
$7,500
Kitchen countertopsdefault
$7,500 new × 40% good × 2.07 allocation
$6,200
Decorative trimdefault
$2,600 new × 40% good × 2.07 allocation
$2,200
Mirrorsdefault
$200 new × 40% good × 2.07 allocation
$100
Shelvingdefault
$1,200 new × 40% good × 2.07 allocation
$1,000
Window coverings (15)default
$3,800 new × 40% good × 2.07 allocation
$3,100
Carpet, vinyl & laminate (40% of floors)default
$3,900 new × 40% good × 2.07 allocation
$3,200
Kitchen & laundry equipment plumbingdefault
$7,100 new × 40% good × 2.07 allocation
$5,900
Kitchen, laundry & data equipment electricaldefault
$4,300 new × 40% good × 2.07 allocation
$3,500
Appliances (range, microwave, dishwasher, refrigerator)listing
$5,700 new × 40% good × 2.07 allocation
$4,700
Furniture bought newlisting
$19,500 new × 100% good · bought separately
$19,500

15-year land improvements$24,900

Paving: driveway & walks (paved)listing
$8,100 new × 50% good × 2.07 allocation
$8,300
Landscaping (typical)default
$7,800 new × 50% good × 2.07 allocation
$8,000
Patioslisting
$6,800 new × 50% good × 2.07 allocation
$7,000
Decks & porches (attached)default
$1,500 new × 50% good × 2.07 allocation
$1,500

Building, 39-year$184,300

Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$163,900 new × 40% good × 2.07 allocation
$135,600
Building plumbing & fixturesdefault
$17,000 new × 40% good × 2.07 allocation
$14,100
Building electrical & lightingdefault
$16,400 new × 40% good × 2.07 allocation
$13,600
HVACdefault
$17,000 new × 40% good × 2.07 allocation
$14,100
Hardwood & tile floorsdefault
$5,800 new × 40% good × 2.07 allocation
$4,800
Fireplacelisting
$2,600 new × 40% good × 2.07 allocation
$2,200

About the property

Sold furnishedGame roomHot tubPoolDeckDrivewayLandscapingFencedIrrigationLong-term rental (27.5-yr)Carpet / vinyl / laminate %Placed in serviceClosing costs $ (adds to basis)Land %Bonus depreciation %

Depreciation schedule: typical cost seg study

Year	5-yr	15-yr	Building	Total
1	$57,000	$24,900	$200	$82,100
2	$0	$0	$4,700	$4,700
3	$0	$0	$4,700	$4,700
4	$0	$0	$4,700	$4,700
5	$0	$0	$4,700	$4,700
6+	$0	$0	$165,200	$165,200
Total	$57,000	$24,900	$184,300	$266,200

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.