1016 Main St, Saint Cloud, WI 53079 Property Records

Fond Du Lac County property record for 1016 Main St, Saint Cloud, WI 53079

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,240 sqft · built 1920
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Dec 2006)
Tax Bill	$3,006 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`V08-16-19-99-OP-142-00`

Property Details

APN / Parcel Number

Primary APN	`V08-16-19-99-OP-142-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,240 sqft Living Area
1st Floor Area	2,240 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
View / Lot	High Traffic Area
Garage Type	Detached
Garage Area	1,260 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	1016 MAIN ST
City	SAINT CLOUD
State	WI
Zip	53079-1479
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S25 T16N R19E ORIGINAL PLAT THE W 20' LOT 2 ALL OF LOTS 3 & 4 BLK 8
Legal Range	19E
Legal Township	16N
Legal Section	25
Legal Subdivision	PLAT OF THE VILLAGE OF ST CLOUD
Legal Block	8
Legal Lot Number	2
Jurisdiction	FOND DU LAC WI
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	42100

Owner

Source: Fond Du Lac County assessment roll, as of March 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1016 MAIN ST, SAINT CLOUD, WI 53079-1479
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage MARINE CU
Aug 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage MARINE CU
Apr 22, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIVE POINTS BANK OF HASTINGS
Mar 12, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage NATIONAL EXCHANGE BANK & TRUST
May 24, 2017	Deed of Trust, Mortgage · Commercial Mortgage HOMETOWN BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 1, 2006 · Amount on Record
Deed Sale	Dec 1, 2006 · Amount on Record
Deed Document Number	2006884669
Last Transfer Date	Mar 4, 2019
Transfer Doc	0001110414
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	1016 MAIN ST, SAINT CLOUD, WI 53079-1479
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	UNKNOWN, KBTU EAU CLAIRE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001217004
Date	Dec 8, 2025
Instrument	1217004

Lender

Name	MARINE CU
Type	Credit Union
Address	LA CROSSE, WI 54601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	9.13%
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	9.13%
Max Rate At Change	11.1%
Index	1-Year T-Bill
Max Rate	15.1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	1016 MAIN ST, SAINT CLOUD, WI 53079-1479
Transaction Type	Mortgage
Record Updated	Sep 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001186493
Date	Aug 8, 2023
Instrument	1186493

Lender

Name	MARINE CU
Type	Credit Union
Address	LA CROSSE, WI 54601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	7.98%
Type Change Date	Sep 1, 2028
Change Frequency	Annually
Min Rate At Change	7.98%
Max Rate At Change	9.98%
Index	1-Year T-Bill
Max Rate	13.9%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	1016 MAIN ST, SAINT CLOUD, WI 53079-1479
Transaction Type	Mortgage
Record Updated	May 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 MAIN ST, SAINT CLOUD, WI 53079-1479

Mortgage

Document Number	1111961
Date	Apr 22, 2019
Instrument	1111961

Lender

Name	FIVE POINTS BANK OF HASTINGS
Type	Bank
Address	FOND DU LAC, WI 54935

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FOND DU LAC WI
Recording Date	Mar 12, 2019
Property Address	1016 MAIN ST, SAINT CLOUD, WI 53079-1479
Document Number	0001110414
Instrument Date	Mar 4, 2019
Instrument	1110414
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 MAIN ST, SAINT CLOUD, WI 53079-1479

Mortgage

Document Number	0001110416
Date	Mar 12, 2019
Instrument	1110416

Lender

Name	NATIONAL EXCHANGE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	1016 MAIN ST, SAINT CLOUD, WI 53079-1479
Transaction Type	Mortgage
Record Updated	Jul 31, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 1084410
Date	May 24, 2017
Instrument	1084410

Lender

Name	HOMETOWN BANK
Type	Bank
Address	FOND DU LAC, WI 54935

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Fond Du Lac County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Fond Du Lac County
Municipality	St. Cloud Village
Unified School District	New Holstein School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,006.00 (+6.26%)	$149,800 (-) Land $12,200 Building $137,600	$234,245 (+18.97%) Land $19,077 Building $215,168
2023	$2,829.00 Homeowner's exemption	$149,800 Land $12,200 Building $137,600	$196,897 Land $16,036 Building $180,861

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 19, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ST CLOUD WATERWORKS serves 471 people · EPA ID WI4200477
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Bertram Communications Fixed Wireless	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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