109 E Spruce St, Spencer, WI 54479 Property Records

Marathon County property record for 109 E Spruce St, Spencer, WI 54479

Property Summary

Property Type	Single Family Home
Lot Size	0.332 acres (14,505 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Mar 2022)
Tax Bill	$4,697 (2025)
Deeds & Mortgages	May 2021 Construction Loan Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181-2602-083-1014`

Property Details

APN / Parcel Number

Primary APN	`181-2602-083-1014`
Alternative APN	`56-0785-000-014-00-00`

Exterior

Lot Area	14,505 sqft (0.332 acres)

Location & Zoning

Street Address	109 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 14
Legal Range	02
Legal Township	26
Legal Section	08
Legal Quarter	NW
Legal Subdivision	VANDERHOOF SUBDIVISION
Legal Lot Number	14
Jurisdiction	MARATHON WI
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3053
Census Tract	2101

Owner

109 E Spruce St is owned and occupied by an individual who bought it in March 2022.

Source: Marathon County records, as of February 9, 2026

Owner of Record	Individual Name on File
Mailing Address	109 E SPRUCE ST, SPENCER, WI 54479-9506
Occupancy	Owner Occupied
Owner Type	Individual

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
May 3, 2021	Deed of Trust, Mortgage · Construction Mortgage FORWARD BANK
Mar 1, 2022	Warranty Deed, Transfer · Conventional Mortgage FORWARD FINANCIAL BANK
Apr 1, 2021	Warranty Deed, Transfer ACCURA TITLE, ACCURATE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2022 · Amount on File
Deed Sale	Mar 1, 2022 · Amount on File
Prior Sale	Apr 1, 2021 · Amount on File
Deed Document Number	1857251
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARATHON WI
Property Address	109 E SPRUCE ST, SPENCER, WI 54479-9506
Transaction Type	Mortgage
Record Updated	Mar 29, 2024
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001834442
Date	May 3, 2021
Instrument	1834442

Lender

Name	FORWARD BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	10 Months
Due	Feb 1, 2022

Interest

Rate Type	Fixed Rate

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARATHON WI
Recording Date	Mar 1, 2022
Property Address	109 E SPRUCE ST, SPENCER, WI 54479-9506
Document Number	0001857251
Instrument Date	Feb 28, 2022
Instrument	1857251
Transaction Type	Transfer
Record Updated	Mar 29, 2024
Title Company	GOWEY ABSTRACT AND TITLE COMPANY, GOWEY ABSTRACT & TTL CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
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 SPRUCE ST, SPENCER, WI 54479-9506

Mortgage

Document Number	0001857252
Date	Mar 1, 2022
Instrument	1857252

Lender

Name	FORWARD FINANCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARATHON WI
Recording Date	Apr 1, 2021
Property Address	109 E SPRUCE ST, SPENCER, WI 54479-9506
Document Number	0001831780
Instrument Date	Mar 23, 2021
Instrument	1831780
Transaction Type	Transfer
Record Updated	Mar 29, 2024
Title Company	ACCURA TITLE, ACCURATE TITLE

Transaction

Amount	Amount on Record
Tax	$60.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207860 DERBY AVE, MARSHFIELD, WI 54449-4294

Tax Assessment & Valuation

The 2025 property tax bill for 109 E Spruce St was $4,697.

Source: Marathon County assessment roll, as of January 1, 2024

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	$4,697.00	$222,600 Land $14,500 Building $208,100	$282,619 Land $18,410 Building $264,209
2023	$3,998.00	$222,600 Land $14,500 Building $208,100	$240,369 Land $15,657 Building $224,712

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

Flood

FEMA maps place 109 E Spruce St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 109 E Spruce St 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	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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