Buying a House on the Fox River

If you are reading this blog post there is a good chance you are searching for a home on the Fox River in Wisconsin. Down below, I am going to go over what you need to know about buying riverfront property & how to make sure you don't make a mistake!

How Much River Frontage

River frontage is typically not valued the same as lake frontage. Now why is this? For one, if you own a house on the river there is a good chance only a section of the frontage is usable for a boat dock or swimming area. If the house doesn't have a retaining wall by the water the river has probably washed away what use to be a good shoreline.  Another reason it is not valued the same is because a lot of the river frontage is considered swampland. Meaning, nothing can even be built on there. 

Unlike lots on lake Winnebago, where you can bring the lot up to grade & potentially build a house there. I see quite often where homes have river frontage of 200+ ft but only 30-40 feet of that is accessible. Make sure you aren't paying for loads of frontage if you only get a fraction of that as usable space. 

River Frontage in a Flood Zone

Another thing you need to consider is the property in a flood zone. Most river frontage is located within a flood zone which requires flood insurance when obtaining a mortgage. Flood insurance can be quite costly, but I would recommend Loyds of London for any insurance. 

If you need help buying or selling a house located on the Fox River please reach out today! 


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