128 S Spruce St, Cadott, WI 54727 Property Records

Chippewa County property record for 128 S Spruce St, Cadott, WI 54727

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,872 sqft · built 1949
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,961 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`22806-0522-6030-0220`

Property Details

APN / Parcel Number

Primary APN	`22806-0522-6030-0220`
Alternative APN	`111 0041`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,872 sqft Total Area

Exterior

Year Built	Built 1949
Exterior Material	Metal
Roof Material	Shingle
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Detached
Parking Spaces	3 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	111 0041
Street Address	128 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 20 BLK 2
Legal Range	06W
Legal Township	28N
Legal Section	05
Legal Subdivision	ARKWRIGHTS ADDITION
Legal Block	2
Legal Lot Number	20
Jurisdiction	CHIPPEWA WI
Township / Civil Division	CADOTT
Census Block Group	1
Census Block	1059
Census Tract	10800

Owner

Source: Chippewa County records · APN 22806-0522-6030-0220

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	128 S SPRUCE ST, CADOTT, WI 54727-9309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHIPPEWA WI
Property Address	128 S SPRUCE ST, CADOTT, WI 54727-9309
Transaction Type	Mortgage
Record Updated	Mar 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000939519
Date	Feb 27, 2023
Instrument	939519

Lender

Name	CITIZENS STATE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 01, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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

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	$2,961.00 (+13.36%) Homeowner's exemption	$138,100 (-) Land $8,600 Building $129,500	$234,800 (+14.04%)
2023	$2,612.00 Homeowner's exemption	$138,100 Land $8,600 Building $129,500	$205,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Chippewa County (55017C), as of October 18, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 550170108001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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 as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

May also be available: Citizens Telephone Cooperative, Inc. (WI).

Based on FCC filings for 200 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system WI6090450, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CADOTT WATERWORKS serves 1,352 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.