1318 Willow Bend Ln, Oshkosh, WI 54904 Property Records

Winnebago County property record for 1318 Willow Bend Ln, Oshkosh, WI 54904

Property Summary

Property Type	Single Family Home
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Oct 2021)
Tax Bill	$4,293 (2024)
Deeds & Mortgages	Jun 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`002-3024`

Property Details

APN / Parcel Number

Primary APN	`002-3024`
Alternative APN	`2146`

Exterior

Lot Area	17,860 sqft (0.41 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	2146
Street Address	1318 WILLOW BEND LN
City	OSHKOSH
State	WI
Zip	54904-7770
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	WILLOW SPRINGS SUBDIVISION LOT 69 .41 A.
Legal Range	16E
Legal Township	18N
Legal Section	16
Legal Subdivision	WILLOW SPRINGS SUBDIVISION
Legal Lot Number	69
Jurisdiction	WINNEBAGO WI
Township / Civil Division	ALGOMA
Census Block Group	2
Census Block	2020
Census Tract	1804

Owner

1318 Willow Bend Ln is owned and occupied by an individual who bought it in October 2021.

Source: Winnebago County records, as of July 14, 2026

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

Owner of Record	Individual Name on File
Mailing Address	1318 WILLOW BEND LN, OSHKOSH, WI 54904-7770
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2021 · Amount on File
Deed Sale	Oct 19, 2021 · Amount on File
Prior Sale	Jul 30, 2020 · Amount on File
Deed Document Number	20211866159
Prior Transfer Date	Dec 4, 2006
Prior Transfer Doc	0001419513
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO WI
Recording Date	Jun 29, 2026
Property Address	1318 WILLOW BEND LN, OSHKOSH, WI 54904-7770
Document Number	0001970105
Instrument Date	Jun 23, 2026
Instrument	20261970105
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1318 WILLOW BEND LN, OSHKOSH, WI 54904-7770

Mortgage

Document Number	0001970105,
Date	Jun 29, 2026
Instrument	20261970105

Lender

Name	COMMUNITY FIRST CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 27, 2036

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Wisconsin
County	Winnebago County
County Subdivision	Algoma Town
Unified School District	Oshkosh Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$319,500 Land $50,100 Building $269,400
2024	$4,293.00 (-0.56%)
2023	$4,317.00 (+2.03%) Homeowner's exemption	$220,800 (-) Land $35,800 Building $185,000	$291,240 (+3,058.79%) Land $47,221 Building $244,019
2022	$4,231.00 Homeowner's exemption	$220,800 Land $35,800 Building $185,000	$9,220 Building $9,220

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

Flood

FEMA maps place 1318 Willow Bend Ln 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 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2004–2012)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2012 · rainfall accumulation

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

Wildfire risk around 1318 Willow Bend Ln 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 99.1% of the US · lower than 97.9% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ALGOMA TN SANITARY DIST 1 serves 3,935 people · EPA ID WI4711611
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 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, 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 182 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20