109 Clark St, Saint Cloud, WI 53079 Property Records

Fond Du Lac County property record for 109 Clark St, Saint Cloud, WI 53079

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 896 sqft · built 1914
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$188,000 (Oct 2023)
Tax Bill	$2,056 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`V08-16-19-99-OP-034-00`

Property Details

APN / Parcel Number

Primary APN	`V08-16-19-99-OP-034-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	896 sqft Living Area
1st Floor Area	896 sqft
2nd Floor Area	648 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Historical
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	162 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	936 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	109 CLARK ST
City	SAINT CLOUD
State	WI
Zip	53079-1462
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S25 T16N R19E ORIGINAL PLAT PT OF LOT 1 BLK 2 COM 168' E OF SW COR TH NLY 81' ELY 50' S 81' WLY 50' TO BEG ALSO 50' X 90' ADJ
Legal Range	19E
Legal Township	16N
Legal Section	25
Legal Block	2
Legal Lot Number	1
Jurisdiction	FOND DU LAC WI
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2010
Census Tract	42100

Owner

Source: Fond Du Lac County records, 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 Record
Mailing Address	109 CLARK ST, SAINT CLOUD, WI 53079-1462
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 23, 2019	Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2023 · Amount on Record
Deed Sale	Oct 3, 2023 · Amount on Record
Prior Sale	Sep 23, 2019 · Amount on Record
Deed Document Number	20231188443
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Oct 3, 2023
Property Address	109 CLARK ST, SAINT CLOUD, WI 53079-1462
Document Number	0001188443
Instrument Date	Sep 28, 2023
Instrument	1188443
Transaction Type	Transfer
Record Updated	Nov 17, 2023
Title Company	KNIGHT BARRY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$564.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CLARK ST, SAINT CLOUD, WI 53079-1462

Mortgage

Document Number	0001188444
Date	Oct 3, 2023
Instrument	1188444

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Sep 23, 2019
Property Address	109 CLARK ST, SAINT CLOUD, WI 53079-1462
Document Number	0001118820
Instrument Date	Aug 29, 2019
Instrument	1118820
Transaction Type	Transfer
Record Updated	Feb 14, 2022
Title Company	BAY TITLE COMPANY, BAY TITLE AND ABSTRACT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$357.00
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	0001118821
Date	Sep 23, 2019
Instrument	1118821

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

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

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	$2,056.00 (+7.53%)	$102,000 (-) Land $9,000 Building $93,000	$159,499 (+18.97%) Land $14,073 Building $145,426
2023	$1,912.00 (+1.32%) Homeowner's exemption	$102,000 (-) Land $9,000 Building $93,000	$134,069 (+4.59%) Land $11,830 Building $122,239
2022	$1,887.00 Homeowner's exemption	$102,000 Land $9,000 Building $93,000	$128,183 Land $11,310 Building $116,873

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 68 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

5G and 4G LTE (outdoors only)

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