1097 River Dr, River Falls, WI 54022 Property Records

St. Croix County property record for 1097 River Dr, River Falls, WI 54022 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,885 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`022-1058-50-000`

Property Details

APN / Parcel Number

Primary APN	`022-1058-50-000`
Alternative APN	`20.28.18.320C`

Exterior

Lot Area	217,800 sqft (5 acres)

Location & Zoning

Street Address	1097 RIVER DR
City	RIVER FALLS
State	WI
Zip	54022-5739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 20 T28N R18W PART OF SE SE LOT 2 CSM VOL 4/1064
Legal Range	18W
Legal Township	28N
Legal Section	20
Legal Quarter	SE
Quarter-Quarter Section	SE
Legal Subdivision	TOWN/KINNICKINNIC
Legal Lot Number	2
Jurisdiction	ST CROIX WI
Township / Civil Division	KINNICKINNIC
Census Block Group	1
Census Block	1001
Census Tract	120901

Owner

Source: St. Croix County records · APN 022-1058-50-000

Assessment roll updated January 1, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1097 RIVER DR, RIVER FALLS, WI 54022-5739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Dec 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage WESTCONSIN CU
Jan 16, 2017	Deed of Trust, Mortgage · Line of Credit WESTCONSIN CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 23, 1997
Deed Sale	Jul 23, 1997
Deed Document Number	0000746449
Record Updated	Jun 08, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	1097 RIVER DR, RIVER FALLS, WI 54022-5739
Transaction Type	Mortgage
Record Updated	Mar 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001148738
Date	Feb 18, 2022
Instrument	1148738

Lender

Name	HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	1097 RIVER DR, RIVER FALLS, WI 54022-5739
Document Number	0001059214
Instrument Date	Dec 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1097 RIVER DR RIVER FALLS WI 540225739, RIVER FALLS, WI 54022-5739

Mortgage

Document Number	0001059214
Date	Dec 28, 2017
Instrument	1059214

Lender

Name	WESTCONSIN CU
Type	Credit Union
Address	MENOMONIE, WI 54751

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2047

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	1097 RIVER DR, RIVER FALLS, WI 54022-5739
Document Number	0001042512
Instrument Date	Jan 16, 2017
Transaction Type	Mortgage
Record Updated	Oct 02, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1097 RIVER DR RIVER FALLS WI 540225739, RIVER FALLS, WI 54022-5739

Mortgage

Document Number	0001042512
Date	Jan 25, 2017
Instrument	1042512

Lender

Name	WESTCONSIN CU
Type	Credit Union
Address	MENOMONIE, WI 54751

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Croix County records · Assessment roll updated January 1, 2025 · Last verified February 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	St. Croix County
County Subdivision	Kinnickinnic Town
Unified School District	River Falls School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,885.00 (+10.21%) Homeowner's exemption	$278,100 (-) Land $100,000 Building $178,100	$278,100 (-) Land $100,000 Building $178,100
2023	$3,525.00 Homeowner's exemption	$278,100 Land $100,000 Building $178,100	$278,100 Land $100,000 Building $178,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Croix County (55109C), updated April 1, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 551091209011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1998–2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2020, river or lake flooding

Wildfire

Wildfire Risk	Low above 20% of the US · above 57% of Wisconsin
Wildfire Likelihood	About 1 in 7,692 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 13 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Pierce Pepin Cooperative Services	Fiber	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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