1012 Cardinal Cir, Hudson, WI 54016 Property Records

St. Croix County property record for 1012 Cardinal Cir, Hudson, WI 54016

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,358 sqft · built 1997
Lot Size	0.367 acres (15,987 sqft)
Owner	2 Individual Names on File
Last Sale	$589,000 (Feb 2025)
Tax Bill	$7,534 (2026)
Deeds & Mortgages	Sep 2022 Sale & Construction Loan Jul 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`236-1978-37-000`

Property Details

APN / Parcel Number

Primary APN	`236-1978-37-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,358 sqft Living Area
1st Floor Area	1,332 sqft
2nd Floor Area	1,026 sqft
Basement Area	1,304 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	15,987 sqft (0.367 acres)
View / Lot	Cul-de-sac
Garage Type	Attached
Garage Area	764 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Deck Area	196 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	1012 CARDINAL CIR
City	HUDSON
State	WI
Zip	54016-5804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	JACOBSON'S WOODS SECOND ADDITION L37
Legal Range	19W
Legal Township	29N
Legal Section	19
Legal Subdivision	JACOBSON'S WOODS SECOND ADDITION
Legal Lot Number	37
Jurisdiction	ST CROIX WI
Township / Civil Division	HUDSON
Census Block Group	1
Census Block	1024
Census Tract	120201

Owner

1012 Cardinal Cir is owned and occupied by two individuals who bought it in February 2025.

Source: St. Croix County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1012 CARDINAL CIR, HUDSON, WI 54016-5804
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2022	Warranty Deed, Construction Loan · Construction Mortgage KEY BANK NA
Jul 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2025 · Amount on File
Deed Sale	Feb 10, 2025 · Amount on File
Prior Sale	Sep 1, 2022 · Amount on File
Deed Document Number	20251188765
Prior Transfer Date	Dec 16, 2020
Prior Transfer Doc	0001118931
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Sep 1, 2022
Property Address	1012 CARDINAL CIR, HUDSON, WI 54016-5804
Document Number	0001158220
Instrument Date	Aug 25, 2022
Instrument	1158220
Transaction Type	Construction Loan
Record Updated	Sep 21, 2022
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001158221
Date	Sep 1, 2022
Instrument	1158221

Lender

Name	KEY BANK NA

Agreement

Type	Construction Mortgage
Amount	Amount on Record

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	1012 CARDINAL CIR, HUDSON, WI 54016-5804
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001155799
Date	Jul 12, 2022
Instrument	1155799

Lender

Name	CITIZENS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1012 Cardinal Cir was $7,534 with a homeowner's exemption.

Source: St. Croix County assessment roll, as of February 20, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	St. Croix County
Municipality	Hudson City
Unified School District	Hudson School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,534.00 Homeowner's exemption
2025	$7,534.00 Homeowner's exemption	$586,300 Land $111,900 Building $474,400	$586,300 Land $111,900 Building $474,400
2023	$6,065.00 Homeowner's exemption	$379,100 Land $75,900 Building $303,200	$379,100 Land $75,900 Building $303,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1012 Cardinal Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

Source: FEMA National Flood Hazard Layer, effective April 1, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Mar 2019 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1012 Cardinal Cir is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Wisconsin
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HUDSON WATERWORKS serves 18,558 people · EPA ID WI6560087
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	6 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 397 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Baldwin Telecom.

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