Winnebago County property record for 1235 Locust St, Oshkosh, WI 54902
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,920 sqft · built 1999 |
| Lot Size | 0.382 acres (16,636 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Feb 2021) |
| Tax Bill | $6,150 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage Feb 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-12540000 |
| Primary APN | 16-12540000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,920 sqft Living Area |
| Gross Area | 700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 16,636 sqft (0.382 acres) |
| Garage Type | Attached |
| Garage Area | 700 sqft |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 916-12540000 |
|---|---|
| Street Address | 1235 LOCUST ST |
| City | OSHKOSH |
| State | WI |
| Zip | 54902-3205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 1 CSM 4327 DOC #1068549 R OF D |
| Legal Subdivision | BEACHS ADDITION TO ALGOMA |
| Legal Lot Number | 1 |
| Jurisdiction | WINNEBAGO WI |
| Township / Civil Division | OSHKOSH |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 1000 |
1235 Locust St is owned and occupied by two individuals who bought it in February 2021.
Source: Winnebago County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1235 LOCUST ST, OSHKOSH, WI 54902-3205 |
| 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 |
|---|---|
| Apr 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 10, 2021 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 10, 2021 · Amount on File |
| Deed Sale | Feb 10, 2021 · Amount on File |
| Deed Document Number | 20211842450 |
| Prior Transfer Date | Nov 12, 2020 |
| Prior Transfer Doc | 0001834825 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | Apr 6, 2026 |
| Property Address | 1235 LOCUST ST, OSHKOSH, WI 54902-3205 |
| Document Number | 0001964482 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 20261964482 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1235 LOCUST ST, OSHKOSH, WI 54902-3205 |
| Document Number | 0001964482, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 20261964482 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | Feb 10, 2021 |
| Property Address | 1235 LOCUST ST, OSHKOSH, WI 54902-3205 |
| Document Number | 0001842450 |
| Map Reference | DOC 1068549 |
| Instrument Date | Feb 8, 2021 |
| Instrument | 1842450 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $705.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1235 LOCUST ST, OSHKOSH, WI 54902-3205 |
| Investor | Possibly a Property Investor |
| Document Number | 0001842451 |
|---|---|
| Date | Feb 10, 2021 |
| Instrument | 1842451 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
Source: Winnebago County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Winnebago County |
| Municipality | Oshkosh City |
| Unified School District | Oshkosh Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $339,300 (-) Land $55,300 Building $284,000 | ||
| 2024 | $6,150.00 (+10.85%) | $339,300 (+71.19%) Land $55,300 Building $284,000 | |
| 2023 | $5,548.00 (+0.42%) Homeowner's exemption | $198,200 (-) Land $40,900 Building $157,300 | $286,403 Land $59,101 Building $227,302 |
| 2022 | $5,525.00 Homeowner's exemption | $198,200 Land $40,900 Building $157,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1235 Locust 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 March 26, 2019 · 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 |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 16 (1993–2024) |
| Claims Outside the SFHA | 2 of 16 |
| Most Recent Claim | Jul 2024 · rainfall accumulation |
| Claims by Event |
|
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 1235 Locust St is low, with less than 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 99.8% of the US · lower than 99.7% of Wisconsin |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OSHKOSH WATERWORKS serves 63,000 people · EPA ID WI4710457 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 6 ppb (2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 131 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Bertram Communications Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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