1549 Main St, Saint Cloud, WI 53079 Property Records

Fond Du Lac County property record for 1549 Main St, Saint Cloud, WI 53079

Property Summary

Property Type	Single Family Home
Lot Size	0.548 acres (23,871 sqft)
Owner	Individual Name on Record
Last Sale	$241,100 (Apr 2023)
Tax Bill	$2,344 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Jun 2023 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`V08-16-19-25-03-028-00`

Property Details

APN / Parcel Number

Primary APN	`V08-16-19-25-03-028-00`

Interior

Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	23,871 sqft (0.548 acres)

Location & Zoning

Street Address	1549 MAIN ST
City	SAINT CLOUD
State	WI
Zip	53079-1449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S25 T16N R19E LOT 2, CSM 8274-62-87 REC AS DOC 1095114 LOC IN SW 1/4 NE 1/4
Legal Range	19E
Legal Township	16N
Legal Section	25
Legal Subdivision	CERTIFIED SURVEY MAP NO 8274
Legal Lot Number	2
Jurisdiction	FOND DU LAC WI
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2010
Census Tract	42100

Owner

Source: Fond Du Lac County records, as of March 26, 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 Record
Mailing Address	1549 MAIN ST, SAINT CLOUD, WI 53079-1449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2023	Deed of Trust, Mortgage · Line of Credit BANK FIRST NA
Jun 22, 2023	Transfer on Death Deed, Transfer
Apr 28, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK FIRST NA
Oct 23, 2017	Deed of Trust, Mortgage · Line of Credit HOMETOWN BANK
Apr 24, 2020	Quit Claim Deed, Transfer · Conventional Mortgage FIVE POINTS BANK OF HASTINGS
Apr 3, 2019	Warranty Deed, Transfer · Conventional Mortgage FIVE POINTS BANK OF HASTINGS
Feb 6, 2018	Intrafamily Transfer, Transfer GOWEY ABSTRACT AND TITLE COMPANY, GOWERY ABSTRACT & TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2023 · Amount on Record
Deed Sale	Apr 28, 2023 · Amount on Record
Prior Sale	Apr 24, 2020 · Amount on Record
Deed Document Number	20231182737
Prior Transfer Date	Apr 17, 2020
Prior Transfer Doc	0001128513
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	1549 MAIN ST, SAINT CLOUD, WI 53079-1449
Transaction Type	Mortgage
Record Updated	Dec 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001190181
Date	Nov 28, 2023
Instrument	1190181

Lender

Name	BANK FIRST NA
Type	Bank
Address	MANITOWOC, WI 54220

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 25, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Jun 22, 2023
Property Address	1549 MAIN ST, SAINT CLOUD, WI 53079-1449
Document Number	0001184769
Map Reference	DOC 1095114
Instrument Date	Jun 19, 2023
Instrument	1184769
Transaction Type	Transfer
Record Updated	Jul 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Apr 28, 2023
Property Address	1549 MAIN ST, SAINT CLOUD, WI 53079-1449
Document Number	0001182737
Map Reference	DOC 1095114
Instrument Date	Apr 28, 2023
Instrument	1182737
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	NOT AVAILABLE, GUARANTY CLOSING & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$723.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1549 MAIN ST, SAINT CLOUD, WI 53079-1449

Mortgage

Document Number	0001182738
Date	Apr 28, 2023
Instrument	1182738

Lender

Name	BANK FIRST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	1549 MAIN ST, SAINT CLOUD, WI 53079-1449
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001091242
Date	Oct 23, 2017
Instrument	1091242

Lender

Name	HOMETOWN BANK
Type	Bank
Address	SAINT CLOUD, WI 53079

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Oct 23, 2022

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Apr 24, 2020
Property Address	1549 MAIN ST, SAINT CLOUD, WI 53079-1449
Document Number	0001128513
Map Reference	VOL 62 PG 87,87A&87B
Instrument Date	Apr 17, 2020
Instrument	1128513
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$349.50
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1549 MAIN ST, SAINT CLOUD, WI 53079-1449

Mortgage

Document Number	0001128514
Date	Apr 24, 2020
Instrument	1128514

Lender

Name	FIVE POINTS BANK OF HASTINGS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Apr 3, 2019
Property Address	1549 MAIN ST, SAINT CLOUD, WI 53079-1449
Document Number	0001111272
Map Reference	DOC 1095114
Instrument Date	Mar 29, 2019
Instrument	1111272
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	WARRANTY TITLE SERVICES INC, GUARANTY TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1549 MAIN ST, SAINT CLOUD, WI 53079-1449

Mortgage

Document Number	0001111273
Date	Apr 3, 2019
Instrument	1111273

Lender

Name	FIVE POINTS BANK OF HASTINGS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FOND DU LAC WI
Recording Date	Feb 6, 2018
Property Address	1549 MAIN ST, SAINT CLOUD, WI 53079-1449
Document Number	0001095113
Instrument Date	Jan 23, 2018
Instrument	1095113
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	GOWEY ABSTRACT AND TITLE COMPANY, GOWERY ABSTRACT & TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1549 MAIN ST, SAINT CLOUD, WI 53079-1449

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	$2,344.00 (+7.03%)	$116,500 (-) Land $21,000 Building $95,500	$182,173 (+18.97%) Land $32,838 Building $149,335
2023	$2,190.00 (+1.77%) Homeowner's exemption	$116,500 (-) Land $21,000 Building $95,500	$153,127 (+4.59%) Land $27,602 Building $125,525
2022	$2,152.00 Homeowner's exemption	$116,500 Land $21,000 Building $95,500	$146,406 Land $26,391 Building $120,015

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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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