109 S Spruce St, Cadott, WI 54727 Property Records

Chippewa County property record for 109 S Spruce St, Cadott, WI 54727

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,088 sqft · built 1958
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Nov 2022)
Tax Bill	$2,217 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22806-0522-6030-0110`

Property Details

APN / Parcel Number

Primary APN	`22806-0522-6030-0110`
Alternative APN	`111 0024`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,088 sqft Total Area
Game Room	Game Room

Exterior

Year Built	Built 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Material	Shingle
Lot Area	9,000 sqft (0.206 acres)
Lot Dimensions	150 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	111 0024
Street Address	109 S SPRUCE ST
City	CADOTT
State	WI
Zip	54727-9309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CADOTT PROPER
Legal Description	ARKWRIGHT'S ADDITION LOT 10 BLK 1
Legal Range	06W
Legal Township	28N
Legal Section	05
Legal Subdivision	ARKWRIGHTS ADDITION
Legal Block	1
Legal Lot Number	10
Jurisdiction	CHIPPEWA WI
Township / Civil Division	CADOTT
Census Block Group	1
Census Block	1056
Census Tract	10800

Owner

Source: Chippewa County records, as of February 18, 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
Co-owner	Co-owner on Record
Mailing Address	109 S SPRUCE ST, CADOTT, WI 54727-9309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2022	Deed, Transfer · Stand-Alone First Mortgage CITIZENS STATE BANK
Dec 1, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage CITIZENS STATE BANK
Jul 22, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2022 · Amount on Record
Deed Sale	Nov 9, 2022 · Amount on Record
Prior Sale	Dec 1, 2020 · Amount on Record
Deed Document Number	937279
Record Updated	Jun 8, 2026

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHIPPEWA WI
Recording Date	Nov 9, 2022
Property Address	109 S SPRUCE ST, CADOTT, WI 54727-9309
Document Number	0000937279
Instrument Date	Nov 7, 2022
Instrument	937279
Transaction Type	Transfer
Record Updated	Dec 9, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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 S SPRUCE ST, CADOTT, WI 54727-9309

Mortgage

Document Number	0000937280
Date	Nov 9, 2022
Instrument	937280

Lender

Name	CITIZENS STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	8.2%
Type Change Date	Dec 1, 2025
Max Rate At Change	2.7%
Index	Other

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHIPPEWA WI
Recording Date	Dec 1, 2020
Property Address	109 S SPRUCE ST, CADOTT, WI 54727-9309
Document Number	0000910383
Instrument Date	Nov 25, 2020
Instrument	910383
Transaction Type	Transfer
Record Updated	Apr 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	356 S ASH ST, CADOTT, WI 54727-9306

Mortgage

Document Number	0000910384
Date	Dec 1, 2020
Instrument	910384

Lender

Name	CITIZENS STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHIPPEWA WI
Recording Date	Jul 22, 2019
Property Address	109 S SPRUCE ST, CADOTT, WI 54727-9309
Document Number	0000890853
Instrument Date	Jul 9, 2019
Instrument	890853
Transaction Type	Transfer
Record Updated	Apr 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Chippewa County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Chippewa County
Municipality	Cadott Village
Unified School District	Cadott Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,217.00 (+14.63%) Homeowner's exemption	$106,500 (-) Land $9,600 Building $96,900	$181,100 (+14.04%)
2023	$1,934.00 Homeowner's exemption	$106,500 Land $9,600 Building $96,900	$158,800

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 October 18, 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	2 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2016 · Severe Storms, Flooding, And Mudslides

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

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	CADOTT WATERWORKS serves 1,352 people · EPA ID WI6090450
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: NTERA.

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