1315 Bowen St, Oshkosh, WI 54901 Property Records

Winnebago County property record for 1315 Bowen St, Oshkosh, WI 54901

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,040 sqft · built 1959
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$162,500 (Jan 2023)
Tax Bill	$3,178 (2024)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2025 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-07740000`

Property Details

APN / Parcel Number

Primary APN	`15-07740000`
Alternative APN	`915-07740000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	915-07740000
Street Address	1315 BOWEN ST
City	OSHKOSH
State	WI
Zip	54901-3927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 12 BLK 16 PLEASANT HOME LAND CO 2ND ADDN
Legal Subdivision	BLK 16 PLEASANT HOME LAND CO 2ND ADDN
Legal Block	16
Legal Lot Number	12
Jurisdiction	WINNEBAGO WI
Township / Civil Division	OSHKOSH
Census Block Group	2
Census Block	2022
Census Tract	400

Owner

1315 Bowen St is owned and occupied by two individuals who bought it in January 2023.

Source: Winnebago County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1315 BOWEN ST, OSHKOSH, WI 54901-3927
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 22, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERVE A CU
Jan 24, 2023	Warranty Deed, Transfer · Conventional Mortgage VERVE A CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2023 · Amount on File
Deed Sale	Jan 24, 2023 · Amount on File
Prior Sale	Aug 19, 2019 · Amount on File
Deed Document Number	20231898347
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO WI
Property Address	1315 BOWEN ST, OSHKOSH, WI 54901-3927
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001866868
Date	Oct 26, 2021
Instrument	1866868

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Oct 1, 2049

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO WI
Property Address	1315 BOWEN ST, OSHKOSH, WI 54901-3927
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001954970
Date	Oct 22, 2025
Instrument	1954970

Lender

Name	VERVE A CU
Type	Credit Union
Address	OSHKOSH, WI 54903

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2035

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO WI
Recording Date	Jan 24, 2023
Property Address	1315 BOWEN ST, OSHKOSH, WI 54901-3927
Document Number	0001898347
Instrument Date	Jan 17, 2023
Instrument	1898347
Transaction Type	Transfer
Record Updated	May 6, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$487.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001898348
Date	Jan 24, 2023
Instrument	1898348

Lender

Name	VERVE A CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Winnebago County
Municipality	Oshkosh City
Unified School District	Oshkosh Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$182,200 Land $21,800 Building $160,400
2024	$3,178.00 (-8.12%)
2023	$3,459.00 Homeowner's exemption	$128,000 (-) Land $15,000 Building $113,000	$184,963 Land $21,675 Building $163,288
2022	$3,459.00 Homeowner's exemption	$128,000 Land $15,000 Building $113,000

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

Flood

FEMA maps place 1315 Bowen St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

The area around 1315 Bowen St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 739 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: TDS Telecom.

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