105 E Spruce St, Spencer, WI 54479 Property Records

Marathon County property record for 105 E Spruce St, Spencer, WI 54479

Property Summary

Property Type	Single Family Home
Lot Size	0.333 acres (14,505 sqft)
Owner	2 Individual Names on Record
Last Sale	$172,500 (Jan 2021)
Tax Bill	$2,795 (2025)
Deeds & Mortgages	Jan 2026 Construction Loan Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181-2602-083-1015`

Property Details

APN / Parcel Number

Primary APN	`181-2602-083-1015`
Alternative APN	`56-0785-000-015-00-00`

Exterior

Lot Area	14,505 sqft (0.333 acres)

Location & Zoning

Street Address	105 E SPRUCE ST
City	SPENCER
State	WI
Zip	54479-9506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIRST ADDITION TO VANDERHOOF SUBDIVISION LOT 15
Legal Range	02E
Legal Township	26N
Legal Section	08
Legal Subdivision	VANDERHOOF SUBDIVISION
Legal Lot Number	15
Jurisdiction	MARATHON WI
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3053
Census Tract	2101

Owner

Source: Marathon County records, as of June 4, 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	105 E SPRUCE ST, SPENCER, WI 54479-9506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · Construction Mortgage CITIZENS STATE BANK OF LOYAL
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK
Jan 29, 2021	Warranty Deed, Transfer · Conventional Mortgage SIMPLICITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2021 · Amount on Record
Deed Sale	Jan 29, 2021 · Amount on Record
Deed Document Number	20211826356
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARATHON WI
Property Address	105 E SPRUCE ST, SPENCER, WI 54479-9506
Transaction Type	Mortgage
Record Updated	Feb 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 E SPRUCE ST, SPENCER, WI 54479-9506

Mortgage

Document Number	0001931183
Date	Jan 28, 2026
Instrument	1931183

Lender

Name	CITIZENS STATE BANK OF LOYAL
Type	Bank
Address	LOYAL, WI 54446

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARATHON WI
Property Address	105 SPRUCE ST, SPENCER, WI 54479-9506
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001815581
Date	Sep 24, 2020
Instrument	1815581

Lender

Name	ASSOCIATED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARATHON WI
Recording Date	Jan 29, 2021
Property Address	105 SPRUCE ST, SPENCER, WI 54479-9506
Document Number	0001826356
Instrument Date	Jan 29, 2021
Instrument	1826356
Transaction Type	Transfer
Record Updated	Apr 12, 2022
Title Company	KNIGHT BARRY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$517.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	105 SPRUCE ST, SPENCER, WI 54479-9506

Mortgage

Document Number	0001826357
Date	Jan 29, 2021
Instrument	1826357

Lender

Name	SIMPLICITY CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3%

Tax Assessment & Valuation

Source: Marathon County assessment roll, as of February 10, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Marathon County
Municipality	Spencer Village
Unified School District	Spencer School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,795.00 (+21.42%)	$144,600 (-) Land $14,500 Building $130,100	$183,588 (+17.58%) Land $18,410 Building $165,178
2023	$2,302.00 Homeowner's exemption	$144,600 Land $14,500 Building $130,100	$156,142 Land $15,657 Building $140,485

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 September 18, 2026

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	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	SPENCER WATERWORKS serves 1,848 people · EPA ID WI7370108
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2026) 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	3 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Country Wireless Fiber · Fixed Wireless	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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