1410 Main St, Saint Cloud, WI 53079 Property Records

Fond Du Lac County property record for 1410 Main St, Saint Cloud, WI 53079

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 960 sqft · built 1920
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on File
Last Sale	$114,000 (Jan 2016)
Tax Bill	$3,074 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Feb 2022 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`V08-16-19-99-OP-084-00`

Property Details

APN / Parcel Number

Primary APN	`V08-16-19-99-OP-084-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
2nd Floor Area	240 sqft
Attic	Attic
Attic Area	320 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Historical
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)
Lot Dimensions	250 ft deep x 104 ft wide
View / Lot	High Traffic Area
Garage Type	Basement
Garage Area	968 sqft
Parking Spaces	1 Parking Space
Deck Area	388 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	1410 MAIN ST
City	SAINT CLOUD
State	WI
Zip	53079-1403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S25 T16N R19E ORIGINAL PLAT NLY 104.24' LOT 3 BLK 4 EXC PARCEL 48 OF PROJECT ID 4854-03-00 (CTH G) AS DESC IN DOC 1101308
Legal Range	19E
Legal Township	16N
Legal Section	25
Legal Subdivision	ORIGINAL PLAT OF THE VILLAGE OF ST
Legal Block	4
Legal Lot Number	3
Jurisdiction	FOND DU LAC WI
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	42100

Owner

Source: Fond Du Lac County assessment roll, as of March 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1410 MAIN ST, SAINT CLOUD, WI 53079-1403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL EXCHANGE BANK & TRUST
Feb 10, 2022	Deed of Trust, Mortgage · Construction Mortgage NATIONAL EXCHANGE BANK & TRUST

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 12, 2016 · Amount on Record
Deed Sale	Jan 12, 2016 · Amount on Record
Deed Document Number	20161062827
Prior Transfer Date	Mar 3, 2009
Prior Transfer Doc	0000932773
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	1410 MAIN ST, SAINT CLOUD, WI 53079-1403
Transaction Type	Mortgage
Record Updated	Dec 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1410 MAIN ST, SAINT CLOUD, WI 53079-1403

Mortgage

Document Number	0001178141
Date	Nov 29, 2022
Instrument	1178141

Lender

Name	NATIONAL EXCHANGE BANK & TRUST
Type	Bank
Address	FOND DU LAC, WI 54936

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jan 28, 2028
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	Other
Max Rate	10.5%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	1410 MAIN ST, SAINT CLOUD, WI 53079-1403
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1410 MAIN ST, SAINT CLOUD, WI 53079-1403

Mortgage

Document Number	0001166221
Date	Feb 10, 2022
Instrument	1166221

Lender

Name	NATIONAL EXCHANGE BANK & TRUST
Type	Bank
Address	FOND DU LAC, WI 54936

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 7, 2023

Tax Assessment & Valuation

Source: Fond Du Lac County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Fond Du Lac County
Municipality	St. Cloud Village
Unified School District	New Holstein School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,074.00 (+6.22%)	$153,200 (-) Land $16,500 Building $136,700	$239,562 (+18.97%) Land $25,801 Building $213,761
2023	$2,894.00 Homeowner's exemption	$153,200 Land $16,500 Building $136,700	$201,366 Land $21,688 Building $179,678

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 December 19, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Water System	ST CLOUD WATERWORKS serves 471 people · EPA ID WI4200477
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	2 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	1 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Bertram Communications Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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