Lighthouse Cove Owners Association
530 East Hiawatha Drive, Wisconsin Dells, WI, 53965
Solid, with items to review
Flood-claim history is the main driver — $52K paid across 7 claims in ZIP 53965.
Based on 5 of 9 public-record signals · How the CondoScore works
The CondoScore is an automated summary of public-record signals. It is not a rating of building safety, not an appraisal, and not a lending or insurance decision.
The 3-second read
Signals from government records — tap any tile for the source.Public records on file: 4 of 9
44%Still blank: Homes, Stories, Year built, Management, Mapped location.
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Recorded sales in this building
County public records — every row carries its official book/page or instrument numberFewer than 3 arm's-length sales recorded in the trailing 24 months — below our Grade C threshold, so no summary range is shown. The recorded sales we do hold are listed below. Why we won't estimate from thin data →
| Sale date | Recorded price | Unit | Qualification | Official record | Parcel / folio |
|---|---|---|---|---|---|
| Dec 2024 | $206,000 | — | Arm’s-length | Inst 1269755 | 146 0790-20300 |
| Nov 2024 | $160,000 | — | Arm’s-length | Inst 1268830 | 146 0790-50600 |
Source: WI DOR RETR Historic 2025December; file=RETRHistoricalReport_2025December.csv; property_use_type=Single family (Class 1); grantor_grantee_relationship=No relationship; conveyance_type=Sale; document_type=Warranty deed; https://tap.revenue.wi.gov/RETRHistoric; parcel_match=WI Statewide Parcel Map Initiative V12 (GeoData@Wisconsin/DOA); parcel_id=146-0790-61100; retrieved_at=2026-07-31; https://www.sco.wisc.edu/parcels/data — recorded transfers, Sauk County. Qualification per the county's sale-qualification coding; non-arm's-length transfers (family deeds, foreclosures, quitclaims) are excluded from the summary tiles above.
This is an opinion of value, not an appraisal. CondoScores Value Opinion is a computer-generated estimate built from public sales records, tax-roll data, and government price indexes. It has not been prepared by a licensed or certified real estate appraiser, does not comply with the Uniform Standards of Professional Appraisal Practice (USPAP), and no one has physically inspected this unit's interior. It is not a substitute for an appraisal, a broker price opinion, or a comparative market analysis prepared by a licensed real estate professional, and it may not be used as the primary basis for a mortgage credit decision. Actual sale price will depend on interior condition, negotiation, financing, and market conditions on the day of sale — factors this estimate cannot see. Every number on this page links to its public-record source; nothing here is guaranteed, warranted, or predictive of a specific outcome.
Know the risks before you buy
Natural-hazard profile — Sauk County
Overall county risk: Relatively Low compared with other U.S. counties.
FEMA expects natural hazards to cost $35.6M per year across Sauk County as a whole (buildings, people, and agriculture combined).
County-level ratings from FEMA's National Risk Index (Dec 2025 data) — relative to other U.S. counties, not specific to this building.
Flood claim history — ZIP 53965
Federal flood insurance has paid $52K across 7 claims in this ZIP code since 1986. The worst year was 2010 ($34K paid).
ZIP-level history for the whole ZIP code, not this building. Source: OpenFEMA NFIP claims (redacted, public domain).
What those hazards mean for insurance
- Separate policyFlood. Not covered by standard condo or homeowners policies — flood damage needs a separate NFIP or private flood policy (for both the association and your unit). FEMA FloodSmart
- Typically excludedEarth movement. Landslide and other earth movement are typically excluded from home policies — and usually not covered by earthquake policies either. Specialty coverage only. Oregon DFR
- Special deductibleWind & hail. Usually covered, but many policies apply a separate wind/hail deductible — a flat amount or a percentage of the dwelling coverage. Virginia SCC guide
How policies typically treat these perils — not a coverage determination for this building. Check the association’s master policy and your own unit (HO-6) policy.
What condo owners pay — state average
- Wisconsin average: $325/yr for a condo unit-owner (HO-6) policy — 43% below the U.S. average of $572 (2022, the latest state-by-state study). NAIC
- Flood is separate: standard condo policies don’t cover flood — NFIP flood policies in Wisconsin average $984/yr across 10,813 policies in force (June 30, 2026). FEMA
Averages for the geography shown — not a quote for this building. Actual premiums vary by insured value, deductibles, construction, and insurer.
Insurance market in Wisconsin
State-level market rules, not a quote for this building. They shape what cover the association can buy and what it costs. NAIC state filings
Get the free Lighthouse Cove Owners Association report
Here's exactly what's inside:
- The CondoScore, plus the signal that drives it
- Every public record we hold on this building
- FEMA flood-claim history for this ZIP, and the county hazard rating
- Typical HO-6 insurance cost near here, and the Wisconsin market rules
- Recorded sales on file for this building
- Where to request the official documents, with direct links
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What would living here cost per month?
Your scenario, your math. The HO-6 figure is a geography-level average from state/NAIC filings — not a quote for this building. Dues and special assessments come from the association's own documents — always request the budget, reserve study, and meeting minutes before you sign.
Rules that hit your wallet
- Aug 3, 2026 — Fannie Mae retires Limited Review: most condo loans need full project review — National Mortgage Professional
- Jan 4, 2027 — associations must budget at least 15% of assessments to reserves for agency-backed loans — Whiteford client alert
- Since Jul 1, 2026 — insurance deductibles above $50K can fail a building for financing — condo-approval.com
Why it matters in Wisconsin: buildings that miss these marks can lose access to normal 30-year mortgages — which shrinks the pool of buyers when you resell. Run the free 5-minute check.
Is Lighthouse Cove Owners Association mortgage-ready?
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