La Crosse County property record for 109 Elm St, Onalaska, WI 54650
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Sep 2025) |
| Tax Bill | $2,200 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 018-000050-000 |
| Primary APN | 018-000050-000 |
|---|---|
| Alternative APNs |
|
| Lot Area | 7,405 sqft (0.169 acres) |
|---|
| Account Number | 40143 |
|---|---|
| Old Parcel Number | 18 50 0 |
| Street Address | 109 ELM ST |
| City | ONALASKA |
| State | WI |
| Zip | 54650-3236 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIGINAL TOWN OF ONALASKA LOTS 9 & 10 BLOCK 7 SUBJ TO WA IN V818 P606 |
| Legal Range | 07 |
| Legal Township | 16 |
| Legal Section | 08 |
| Legal Quarter | SE |
| Quarter-Quarter Section | NE |
| Legal Subdivision | VILLAGE/ONALASKA |
| Legal Block | 7 |
| Legal Lot Number | 9-10 10 |
| Jurisdiction | LA CROSSE WI |
| Township / Civil Division | ONALASKA |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 10500 |
109 Elm St is owned and occupied by an individual who bought it in September 2025.
Source: La Crosse County records, as of February 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 109 ELM ST, ONALASKA, WI 54650-3236 |
| 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.
| Date | Document |
|---|---|
| Sep 29, 2025 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Jul 28, 2020 | Warranty Deed, Transfer · Conventional Mortgage BREMER BANK |
| Apr 25, 2018 | Deed, Transfer · Conventional Mortgage BREMER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2025 · Amount on File |
| Deed Sale | Sep 29, 2025 · Amount on File |
| Prior Sale | Jul 28, 2020 · Amount on File |
| Deed Document Number | 1839185 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LA CROSSE WI |
| Recording Date | Sep 29, 2025 |
| Property Address | 109 ELM ST, ONALASKA, WI 54650-3236 |
| Document Number | 0001839185 |
| Instrument Date | Sep 25, 2025 |
| Instrument | 1839185 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2025 |
| Title Company | STERLING TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 109 ELM ST, ONALASKA, WI 54650-3236 |
| Document Number | 0001839186 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 1839186 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LA CROSSE WI |
| Recording Date | Jul 28, 2020 |
| Property Address | 109 ELM ST, ONALASKA, WI 54650-3236 |
| Document Number | 0001751248 |
| Instrument Date | Jul 28, 2020 |
| Instrument | 1751248 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2022 |
| Title Company | KNIGHT BARRY TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $370.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 ELM ST, ONALASKA, WI 54650-3236 |
| Document Number | 0001751249 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 1751249 |
| Name | BREMER BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Number | 0001751250 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 1751250 |
| Name | WHEDA |
|---|---|
| Type | Government Agency |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 1, 2030 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | LA CROSSE WI |
| Recording Date | Apr 25, 2018 |
| Property Address | 109 ELM ST, ONALASKA, WI 54650-3236 |
| Document Number | 0001709216 |
| Instrument Date | Apr 23, 2018 |
| Instrument | 1709216 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2022 |
| Title Company | NEW CASTLE TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $309.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0001709217 |
|---|---|
| Date | Apr 25, 2018 |
| Instrument | 1709217 |
| Name | BREMER BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Number | 1709218 |
|---|---|
| Date | Apr 25, 2018 |
| Instrument | 1709218 |
| Name | WHEDA |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 23, 2028 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 109 Elm St was $2,200, up 3.6% from the year before.
Source: La Crosse County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Wisconsin |
| County | La Crosse County |
| Municipality | Onalaska City |
| Unified School District | Onalaska School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,200.00 (+3.63%) | $163,900 (+28.85%) Land $51,800 Building $112,100 | $165,800 (+6.83%) |
| 2024 | $2,123.00 (-1.12%) | $127,200 (-) Land $37,000 Building $90,200 | $155,200 (+22.01%) |
| 2023 | $2,147.00 | $127,200 Land $37,000 Building $90,200 | $127,200 Land $37,000 Building $90,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (1997–2004) |
| Most Recent Claim | Aug 2004 · river or lake flooding |
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 risk around 109 Elm 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 243 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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