Vernon County property record for 220 Elm Dr, Stoddard, WI 54658
| Property Type | Single Family Home |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $162,000 (Jan 2018) |
| Tax Bill | $2,633 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 181-00145-0000 |
| Primary APN | 181-00145-0000 |
|---|---|
| Alternative APN |
|
| Street Address | 220 ELM DR |
|---|---|
| City | STODDARD |
| State | WI |
| Zip | 54658-9528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNNY ACRES ADD LOT 3 BLK 3 IN VILLAGE OF STODDARD |
| Legal Subdivision | SUNNY ACRES ADD |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | VERNON WI |
| Township / Civil Division | STODDARD |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 960700 |
220 Elm Dr is owned and occupied by an individual who bought it in January 2018.
Source: Vernon County records, as of February 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 220 ELM DR, STODDARD, WI 54658-9528 |
| 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.
| Date | Document |
|---|---|
| Dec 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RIVER BANK |
| Oct 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage RIVER BANK |
| Jan 26, 2018 | Warranty Deed, Transfer · ARM ALTRA FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 26, 2018 · Amount on File |
| Deed Sale | Jan 26, 2018 · Amount on File |
| Prior Sale | May 24, 2010 · Amount on File |
| Deed Document Number | 501421 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VERNON WI |
| Property Address | 220 ELM DR, STODDARD, WI 54658-9528 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000524983 |
|---|---|
| Date | Dec 28, 2021 |
| Instrument | 524983 |
| Name | RIVER BANK |
|---|---|
| Type | Bank |
| Address | LA CROSSE, WI 54601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VERNON WI |
| Property Address | 220 ELM DR, STODDARD, WI 54658-9528 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 510458 |
|---|---|
| Date | Oct 28, 2019 |
| Instrument | 510458 |
| Name | RIVER BANK |
|---|---|
| Type | Bank |
| Address | LA CROSSE, WI 54601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VERNON WI |
| Recording Date | Jan 26, 2018 |
| Property Address | 220 ELM DR, STODDARD, WI 54658-9528 |
| Document Number | 0000501421 |
| Instrument Date | Jan 19, 2018 |
| Instrument | 501421 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $486.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000501422 |
|---|---|
| Date | Jan 26, 2018 |
| Instrument | 501422 |
| Name | ALTRA FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jan 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Max Rate | 10% |
The 2025 property tax bill for 220 Elm Dr was $2,633 with a homeowner's exemption.
Source: Vernon County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Vernon County |
| Municipality | Stoddard Village |
| Unified School District | De Soto Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,633.00 Homeowner's exemption | $211,100 Land $32,300 Building $178,800 | $244,500 |
| 2023 | $2,166.00 Homeowner's exemption | $152,200 Land $21,800 Building $130,400 | $201,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 220 Elm Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.
Source: FEMA National Flood Hazard Layer, effective November 11, 2025 · 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 | 3 in force |
| Nearby Flood Claims | 2 (2001–2023) |
| 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 risk around 220 Elm Dr 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | STODDARD WATERWORKS serves 793 people · EPA ID WI6630262 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 Sanitary survey deficiency not corrected Jul 2018 |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Coon Valley Farmers Telephone Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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