1070 Charles Ave, Onalaska, WI 54650 Property Records

La Crosse County property record for 1070 Charles Ave, Onalaska, WI 54650

Property Summary

Property Type	Single Family Home
Lot Size	0.655 acres (28,532 sqft)
Owner	2 Individual Names on File
Last Sale	$660,000 (Sep 2023)
Tax Bill	$9,033 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`018-006061-000`

Property Details

APN / Parcel Number

Primary APN	`018-006061-000`
Alternative APNs	`18 6061 0` `60562`

Exterior

Lot Area	28,532 sqft (0.655 acres)

Location & Zoning

Street Address	1070 CHARLES AVE
City	ONALASKA
State	WI
Zip	54650-9000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MZA
Legal Description	MEIER FARM ADDITION FOUR LOT 2 BLOCK 14
Legal Range	07W
Legal Township	17N
Legal Section	33
Legal Subdivision	MEIER FARM ADDITION
Legal Block	14
Legal Lot Number	2
Jurisdiction	LA CROSSE WI
Township / Civil Division	ONALASKA
Census Block Group	2
Census Block	2037
Census Tract	10404

Owner

1070 Charles Ave is owned and occupied by two individuals who bought it in September 2023.

Source: La Crosse County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1070 CHARLES AVE, ONALASKA, WI 54650-9000
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 19, 2023	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage RIVER BANK
Mar 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage RIVER BANK
Nov 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage RIVER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2023 · Amount on File
Deed Sale	Sep 19, 2023 · Amount on File
Prior Sale	Sep 9, 2011 · Amount on File
Deed Document Number	20231812450
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	1070 CHARLES AVE, ONALASKA, WI 54650-9000
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001846884
Date	Mar 31, 2026
Instrument	1846884

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2020
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.6%
Index	Other
Margin	3
Max Rate	10.6%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Sep 19, 2023
Property Address	1070 CHARLES AVE, ONALASKA, WI 54650-9000
Document Number	0001812450
Instrument Date	Sep 19, 2023
Instrument	1812450
Transaction Type	Transfer
Record Updated	Oct 11, 2023
Title Company	MONROE CMNTY TITLE, MONROE COUNTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,980.00
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	0001812451
Date	Sep 19, 2023
Instrument	1812451

Lender

Name	MERCHANTS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	1070 CHARLES AVE, ONALASKA, WI 54650-9000
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001748094
Date	Jun 15, 2020
Instrument	1748094

Lender

Name	RIVER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	1070 CHARLES AVE, ONALASKA, WI 54650-9000
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001741775
Date	Mar 3, 2020
Instrument	1741775

Lender

Name	RIVER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Mar 15, 2023

Interest

Rate Type	Fixed Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	1070 CHARLES AVE, ONALASKA, WI 54650-9000
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001783967
Date	Nov 5, 2021
Instrument	1783967

Lender

Name	RIVER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1070 Charles Ave was $9,033.

Source: La Crosse County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	La Crosse County
Municipality	Onalaska City
Unified School District	Holmen School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,033.00 Homeowner's exemption	$728,300 Land $91,200 Building $637,100	$736,700
2023	$7,019.00 (-4.44%) Homeowner's exemption	$465,200 (-) Land $76,300 Building $388,900	$465,200 (-) Land $76,300 Building $388,900
2022	$7,345.00 Homeowner's exemption	$465,200 Land $76,300 Building $388,900	$465,200 Land $76,300 Building $388,900

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

Flood

FEMA maps place 1070 Charles Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 3, 2023 · 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

Wildfire risk around 1070 Charles Ave 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	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	ONALASKA WATERWORKS serves 18,000 people · EPA ID WI6320327
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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