1043 Spruce Ct, Oconomowoc, WI 53066 Property Records

Waukesha County property record for 1043 Spruce Ct, Oconomowoc, WI 53066

Property Summary

Property Type	Single Family Home
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Nov 2020)
Tax Bill	$5,761 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OCOC-0539-169`

Property Details

APN / Parcel Number

Primary APN	`OCOC-0539-169`

Interior

Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	13,939 sqft (0.32 acres)

Location & Zoning

Street Address	1043 SPRUCE CT
City	OCONOMOWOC
State	WI
Zip	53066-9313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 84 PINE RIDGE ESTATES III & UNDIV INT OUTLOT 11 BEING ALL OF LOT 82 & LOT 83 CERT SURV 11441 & PT LOT 1 CERT SURV 11253 & PT OUTLOT 10 PINE RIDGE ESTATES II PT SE1/4 SW1/4 SEC 27 T8N R17E
Legal Subdivision	PINE RIDGE ESTATES III
Legal Lot Number	84
Jurisdiction	WAUKESHA WI
Township / Civil Division	OCONOMOWOC
Census Block Group	1
Census Block	1061
Census Tract	204301

Owner

Source: Waukesha County records, as of June 23, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1043 SPRUCE CT, OCONOMOWOC, WI 53066-9313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2020 · Amount on Record
Deed Sale	Nov 16, 2020 · Amount on Record
Deed Document Number	20204530472
Record Updated	Sep 20, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAUKESHA WI
Recording Date	Nov 16, 2020
Property Address	1043 SPRUCE CT, OCONOMOWOC, WI 53066-9313
Document Number	0004530472
Map Reference	MAP 11253
Instrument Date	Nov 12, 2020
Instrument	4530472
Transaction Type	Transfer
Record Updated	Jun 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,095.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 N MARKET ST UNIT 310, 310, BROOKFIELD, WI 53045-3244
Investor	Possibly a Property Investor

Mortgage

Document Number	0004530473
Date	Nov 16, 2020
Instrument	4530473

Lender

Name	BANK FIVE NINE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Waukesha County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Waukesha County
Municipality	Oconomowoc City
Unified School District	Oconomowoc Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,761.00 (+5.69%)	$540,900 (+15.53%) Land $104,700 Building $436,200	$548,800 (+12.32%)
2023	$5,451.00	$468,200 Land $94,200 Building $374,000	$488,600

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 October 19, 2025 · 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	3 in force

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

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

Wildfire Risk	Low lower than 96% of the US · lower than 90% of Wisconsin
Wildfire Likelihood	Under 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	OCONOMOWOC WATERWORKS serves 15,805 people · EPA ID WI2680227
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	7 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	None 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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber · DSL in parts of the area	1,000 / 1,000
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Netwurx, Verizon.

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