1185 Spruce St, Plain, WI 53577 Property Records

Sauk County property record for 1185 Spruce St, Plain, WI 53577

Property Summary

Property Type	Single Family Home
Lot Size	0.339 acres (14,810 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,227 (2025)
Deeds & Mortgages	Jun 2021 Second Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`171 0265-00000`

Property Details

APN / Parcel Number

Primary APN	`171 0265-00000`

Exterior

Lot Area	14,810 sqft (0.339 acres)

Location & Zoning

Street Address	1185 SPRUCE ST
City	PLAIN
State	WI
Zip	53577-9778
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 8-9-4 PRT AL 35 COM SLI SPRUCE ST S OF SWCOR LT 3 BLK 1 BRECHTL'S 1ST ADD -W185' TO POB: S150'-W118.5' TO ELI ST LUKE AVE-N
Legal Subdivision	BRECHTL'S 1ST ADD
Legal Block	1
Legal Lot Number	3
Jurisdiction	SAUK WI
Township / Civil Division	PLAIN
Census Block Group	3
Census Block	3083
Census Tract	1100

Owner

Source: Sauk County records, as of February 16, 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 Record
Co-owner	Co-owner on Record
Mailing Address	1185 SPRUCE ST, PLAIN, WI 53577-9778
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SUMMIT CU
Jul 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE PEOPLES COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUK WI
Property Address	1185 SPRUCE ST, PLAIN, WI 53577-9778
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1219510
Date	Jun 8, 2021
Instrument	1219510

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Jun 22, 2033

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUK WI
Property Address	1185 SPRUCE ST, PLAIN, WI 53577-9778
Transaction Type	Mortgage
Record Updated	Aug 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1182867
Date	Jul 15, 2019
Instrument	1182867

Lender

Name	THE PEOPLES COMMUNITY BANK
Type	Bank
Address	MAZOMANIE, WI 53560

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Wisconsin
County	Sauk County
Municipality	Plain Village
Unified School District	River Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,227.00 (+6.72%) Homeowner's exemption	$195,600 (-) Land $20,700 Building $174,900	$344,765 (+20.54%) Land $36,486 Building $308,279
2023	$4,898.00 Homeowner's exemption	$195,600 Land $20,700 Building $174,900	$286,020 Land $30,269 Building $255,751

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 January 30, 2020 · 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 Claims	1 (2008)
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	PLAIN WATERWORKS serves 792 people · EPA ID WI1570098
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	3 ppb (2023) 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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: LightSpeed powered by Reedsburg Utility.

Cell Coverage

5G (outdoors only) and 4G LTE

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