St. Croix County property record for 1432 220th St, Emerald, WI 54013
| Property Type | Vacant Land |
|---|---|
| Lot Size | 3.04 acres (132,727 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $15,300 (Jun 2025) |
| Tax Bill | $230 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Sep 2025 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-1045-95-000 |
| Primary APN | 010-1045-95-000 |
|---|---|
| Alternative APN |
|
| Lot Area | 132,727 sqft (3.04 acres) |
|---|
| Street Address | 1432 220TH ST |
|---|---|
| City | EMERALD |
| State | WI |
| Zip | 54013-8307 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | SEC 19 T30N R16W PT NE SE CSM 34-7574 LOT 2 |
| Legal Range | 16W |
| Legal Township | 30N |
| Legal Section | 19 |
| Legal Subdivision | CERTIFIED SURV MAP |
| Legal Lot Number | 2 |
| Jurisdiction | ST CROIX WI |
| Township / Civil Division | EMERALD |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 120802 |
Source: St. Croix County records, as of October 21, 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 Record |
|---|---|
| Mailing Address | WI |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CUMBERLAND BANK |
| Sep 10, 2025 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND FEDERAL BANK FSB |
| Jun 13, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2025 · Amount on Record |
| Deed Sale | Jun 13, 2025 · Amount on Record |
| Deed Document Number | 20251193453 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CROIX WI |
| Recording Date | Sep 28, 2026 |
| Property Address | 1432 220TH ST, EMERALD, WI 54013-8307 |
| Document Number | 0001213505 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 20261213505 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1432 220TH ST, EMERALD, WI 54013-8307 |
| Document Number | 0001213505, |
|---|---|
| Date | Sep 28, 2026 |
| Instrument | 20261213505 |
| Name | CUMBERLAND BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CROIX WI |
| Property Address | 1432 220TH ST, EMERALD, WI 54013-8307 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 305 BIRCH ST, BALDWIN, WI 54002-9037 |
| Document Number | 0001197357 |
|---|---|
| Date | Sep 10, 2025 |
| Instrument | 1197357 |
| Name | CUMBERLAND FEDERAL BANK FSB |
|---|---|
| Type | Bank |
| Address | CUMBERLAND, WI 54829 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CROIX WI |
| Recording Date | Jun 13, 2025 |
| Property Address | 1432 220TH ST, EMERALD, WI 54013-8307 |
| Document Number | 0001193453 |
| Map Reference | MB 34 PG 7574 |
| Instrument Date | Jun 13, 2025 |
| Instrument | 1193453 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $45.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
Source: St. Croix County assessment roll, as of February 20, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | St. Croix County |
| County Subdivision | Emerald Town |
| Unified School District | New Richmond School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $230.00 (+0.44%) | ||
| 2025 | $229.00 (+110.09%) | $9,400 (+11.9%) Land $9,400 | $9,400 (+11.9%) Land $9,400 |
| 2023 | $109.00 | $8,400 Land $8,400 | $8,400 Land $8,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 1, 2016 · 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 | 2 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.
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.
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