Polk County property record for 2195 E Bone Lake Ln, Luck, WI 54853 · Last verified February 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Lot Size | 50,965 sqft (1.17 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $280,000 (2021) |
| Tax Bill | $2,285.00 (2025) |
| Primary APN | 026-00624-0000 |
|---|
| Lot Area | 50,965 sqft (1.17 acres) |
|---|
| Street Address | 2195 E BONE LAKE LN |
|---|---|
| City | LUCK |
| State | WI |
| Zip | 54853-2217 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 3 V 3 CSM 551 P 43 I (338003) N GOV LOT 1 AND PCL DESC IN V510/704 INCLUDES ASSESSMENT FOR (LAKE ACCESS LOT) |
| Legal Lot Number | 3 |
| Jurisdiction | POLK WI |
| Minor Civil Division | GEORGETOWN |
| Census Blockgroup | 1 |
| Census Block | 1013 |
| Census Tract | 960302 |
Source: Polk County records · APN 026-00624-0000
Assessment roll updated January 1, 2025 · Last verified February 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2195 E BONE LAKE LN, LUCK, WI 54853-2217 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 01, 2023 | Deed of Trust, Mortgage · Conventional Mortgage WESTCONSIN CU |
| Aug 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL CU |
| Jun 04, 2021 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 04, 2021 · Amount on Record |
| Deed Sale | Jun 04, 2021 · Amount on Record |
| Deed Doc Number | 896945 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK WI |
| Property Address | 2195 E BONE LAKE LN, LUCK, WI 54853-2217 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000921612 |
|---|---|
| Date | Nov 01, 2023 |
| Instrument | 921612 |
| Name | WESTCONSIN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.75% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Nov 01, 2020 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5% |
| Max Rate At Change | 13.7% |
| Index | Other |
| Margin | 5 |
| Max Rate | 13.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK WI |
| Property Address | 2195 E BONE LAKE LN, LUCK, WI 54853-2217 |
| Transaction Type | Mortgage |
| Record Updated | Sep 08, 2021 |
| Name | Verified Name |
|---|
| Document Number | 900221 |
|---|---|
| Date | Aug 20, 2021 |
| Instrument | 900221 |
| Name | ROYAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 19, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK WI |
| Recording Date | Jun 04, 2021 |
| Property Address | 2195 E BONE LAKE LN, LUCK, WI 54853-2217 |
| Document Number | 896945 |
| Map Reference | MAP551 VL3 PG43 |
| Instrument Date | May 28, 2021 |
| Instrument | 896945 |
| Transaction Type | Transfer |
| Record Updated | Jul 07, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $840.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Document Number | 896946 |
|---|---|
| Date | Jun 04, 2021 |
| Instrument | 896946 |
| Name | WATERSTONE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Polk County records · Assessment roll updated January 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Polk County |
| County Subdivision | Georgetown Town |
| Unified School District | Unity School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,285.00 (+6.63%) Homeowner's exemption | $295,000 (+29.05%) Land $71,700 Building $223,300 | $303,500 (+17.64%) Land $73,766 Building $229,734 |
| 2023 | $2,143.00 Homeowner's exemption | $228,600 Land $70,000 Building $158,600 | $258,000 |
2195 E Bone Lake Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Polk County (55095C), updated September 16, 2011
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 57th in Wisconsin |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures