Winnebago County property record for 1640 Spruce St, Oshkosh, WI 54901
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 576 sqft · built 1947 |
| Lot Size | 0.142 acres (6,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $99,800 (Feb 2023) |
| Tax Bill | $2,034 (2024) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-06510000 |
| Primary APN | 12-06510000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 576 sqft Living Area |
| 1st Floor Area | 576 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,200 sqft (0.142 acres) |
| Lot Dimensions | 124 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 384 sqft |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 912-06510000 |
|---|---|
| Street Address | 1640 SPRUCE ST |
| City | OSHKOSH |
| State | WI |
| Zip | 54901-2841 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 9 FORDS REPLAT |
| Legal Subdivision | FORDS REPLAT |
| Legal Lot Number | 9 |
| Jurisdiction | WINNEBAGO WI |
| Township / Civil Division | OSHKOSH |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 800 |
1640 Spruce St is owned by two individuals who bought it in February 2023.
Source: Winnebago County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1030 SADDLEWOOD AVE, SPARTA, WI 54656-8833 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 13, 2023 · Amount on File |
| Deed Sale | Feb 13, 2023 · Amount on File |
| Deed Document Number | 20231899199 |
| Prior Transfer Date | Apr 21, 2021 |
| Prior Transfer Doc | 0001849730 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | Feb 13, 2023 |
| Property Address | 1640 SPRUCE ST, OSHKOSH, WI 54901-2841 |
| Document Number | 0001899199 |
| Instrument Date | Feb 3, 2023 |
| Instrument | 1899199 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $299.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1030 SADDLEWOOD AVE, SPARTA, WI 54656-8833 |
| Investor | Possibly a Property Investor |
| Document Number | 0001899200 |
|---|---|
| Date | Feb 13, 2023 |
| Instrument | 1899200 |
| Name | GO MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
Source: Winnebago County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Winnebago County |
| Municipality | Oshkosh City |
| Unified School District | Oshkosh Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $109,500 Land $20,700 Building $88,800 | ||
| 2024 | $2,034.00 (+8.25%) | ||
| 2023 | $1,879.00 (+1.08%) | $64,700 (-) Land $15,300 Building $49,400 | $93,493 Land $22,109 Building $71,384 |
| 2022 | $1,859.00 | $64,700 Land $15,300 Building $49,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1640 Spruce St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2010.
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 Claims | 3 (2010–2018) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | May 2018 · 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.
The area around 1640 Spruce 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 626 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Bertram Communications Fixed Wireless | 100 / 20 |
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