Vilas County property record for 10189 Lower Rd, Arbor Vitae, WI 54568 · Last verified February 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Tax Bill | $2,636.00 (2025) |
| Primary APN | 2-2611 |
|---|---|
| Alternative APN |
|
| Street Address | 10189 LOWER RD |
|---|---|
| City | ARBOR VITAE |
| State | WI |
| Zip | 54568-9716 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PRT GOVT LOT 3 |
| Jurisdiction | VILAS WI |
| Minor Civil Division | ARBOR VITAE |
| Census Blockgroup | 4 |
| Census Block | 4026 |
| Census Tract | 950700 |
Source: Vilas County records · APN 2-2611
Assessment roll updated January 1, 2025 · Last verified February 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 | 828 LUM AVE, WATERLOO, WI 53594-1157 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 28, 2019 | Deed of Trust, Mortgage · Closed End Mortgage CAPITOL BANK |
| Dec 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CAPITOL BANK |
| May 28, 2015 | Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS STATE BANK |
| May 31, 2018 | Trustee's Deed, Foreclosure · Conventional Mortgage CAPITOL BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | May 31, 2018 |
| Transfer Doc | 0000554300 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VILAS WI |
| Property Address | 10189 LOWER RD, ARBOR VITAE, WI 54568-9716 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | VILAS TITLE SERVICE INC |
| Name | Verified Name |
|---|
| Document Number | 0000566143 |
|---|---|
| Date | Oct 28, 2019 |
| Instrument | 566143 |
| Name | CAPITOL BANK |
|---|---|
| Type | Bank |
| Address | MADISON, WI 53717 |
| Type | Closed End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 62 Months |
| Due | Dec 10, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VILAS WI |
| Property Address | 10189 LOWER RD, ARBOR VITAE, WI 54568-9716 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | VILAS TITLE SERVICE INC |
| Name | Verified Name |
|---|
| Document Number | 0000567586 |
|---|---|
| Date | Dec 26, 2019 |
| Instrument | 567586 |
| Name | CAPITOL BANK |
|---|---|
| Type | Bank |
| Address | MADISON, WI 53717 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VILAS WI |
| Property Address | 10189 LOWER RD, ARBOR VITAE, WI 54568-9716 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000529446 |
|---|---|
| Date | May 28, 2015 |
| Instrument | 529446 |
| Name | FARMERS & MERCHANTS STATE BANK |
|---|---|
| Type | Bank |
| Address | WATERLOO, WI 53594 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 15, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | VILAS WI |
| Recording Date | May 31, 2018 |
| Property Address | 10189 LOWER RD, ARBOR VITAE, WI 54568-9716 |
| Document Number | 0000554300 |
| Instrument Date | May 31, 2018 |
| Instrument | 554300 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 03, 2026 |
| Title Company | VILAS TITLE SERVICE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $870.00 |
| Amount Accuracy | Rounded Values by County |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 10189 LOWER RD, WOODRUFF, WI 54568-9716 |
| Document Number | 0000554301 |
|---|---|
| Date | May 31, 2018 |
| Instrument | 554301 |
| Name | CAPITOL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2048 |
Source: Vilas County records · Assessment roll updated January 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Vilas County |
| County Subdivision | Arbor Vitae Town |
| Secondary School District | Lakeland Union High School District (09 - 12) |
| Elementary School District | Woodruff Joint No. 1 School District (PK - 08) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $2,636.00 (-3.41%) | $238,500 (-) Land $157,500 Building $81,000 |
| 2023 | $2,729.00 | $238,500 Land $157,500 Building $81,000 |
10189 Lower Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Vilas County (55125C), updated June 5, 2012
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 57th in Wisconsin |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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