190 Spring St, Osceola, WI 54020 Property Records

Polk County property record for 190 Spring St, Osceola, WI 54020

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$289,900 (Apr 2023)
Tax Bill	$3,978 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`165-00844-0019`

Property Details

APN / Parcel Number

Primary APN	`165-00844-0019`

Exterior

Lot Area	10,454 sqft (0.239 acres)

Location & Zoning

Street Address	190 SPRING ST
City	OSCEOLA
State	WI
Zip	54020-4310
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LOT 19 PLAT OF GATEWAY MEADOWS LOC OL 169
Legal Lot Number	19
Jurisdiction	POLK WI
Township / Civil Division	OSCEOLA
Census Block Group	1
Census Block	1052
Census Tract	960800

Owner

190 Spring St, residential vacant land, is owned and occupied by an individual who bought it in April 2023.

Source: Polk County records, as of February 18, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	190 SPRING ST, OSCEOLA, WI 54020-4310
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2018	Deed of Trust, Mortgage · Commercial Mortgage FARMERS & MERCHANTS SAV BANK
Apr 4, 2023	Warranty Deed, Subdivision Related Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE
Apr 29, 2022	Warranty Deed, Transfer · Conventional Mortgage NIGHTINGALE PARTNERS LLP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2023 · Amount on File
Deed Sale	Apr 4, 2023 · Amount on File
Prior Sale	Apr 29, 2022 · Amount on File
Deed Document Number	916546
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK WI
Property Address	190 SPRING ST, OSCEOLA, WI 54020-4310
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000859346
Date	Jan 24, 2018
Instrument	859346

Lender

Name	FARMERS & MERCHANTS SAV BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

April 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK WI
Recording Date	Apr 4, 2023
Property Address	190 SPRING ST, OSCEOLA, WI 54020-4310
Document Number	0000916546
Map Reference	DOC 695908 PG 559
Instrument Date	Mar 20, 2023
Instrument	916546
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 19, 2026
Title Company	PANOLA COUNTY ABSTRACT AND TITLE, POLK COUNTY ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$869.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000916547
Date	Apr 4, 2023
Instrument	916547

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK WI
Recording Date	Apr 29, 2022
Property Address	190 SPRING ST, OSCEOLA, WI 54020-4310
Document Number	0000908192
Instrument Date	Apr 26, 2022
Instrument	908192
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	POLK COUNTY ABSTRACT

Transaction

Amount	Amount on Record
Tax	$66.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000908193
Date	Apr 29, 2022
Instrument	908193

Lender

Name	NIGHTINGALE PARTNERS LLP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 190 Spring St was $3,978 with an additional exemption.

Source: Polk County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Polk County
Municipality	Osceola Village
Unified School District	Osceola School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,978.00 Additional exemption filed	$270,600 Land $24,200 Building $246,400	$336,400 Land $30,085 Building $306,315
2023	$3,478.00 (+1,349.17%)	$245,900 (+1,417.9%) Land $24,200 Building $221,700	$258,300 (+1,514.38%)
2022	$240.00	$16,200 Land $16,200	$16,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 190 Spring St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

Source: FEMA National Flood Hazard Layer, effective September 16, 2011 · 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	1 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Apr 2023 · river or lake flooding

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 190 Spring St is low, with 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 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.

Drinking Water

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

Water System	OSCEOLA WATERWORKS serves 2,680 people · EPA ID WI6490341
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	Lead service line inventory Oct 2024
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 177 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
Starlink Satellite	280 / 30

May also be available: Brightspeed, Lakeland Communications.

Nearby Properties on Spring St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures