220 Spring St, Osceola, WI 54020 Property Records

Polk County property record for 220 Spring St, Osceola, WI 54020

Property Summary

Property Type	Single Family Home
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Jun 2021)
Tax Bill	$3,999 (2025)
Deeds & Mortgages	Nov 2024 Mortgage Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`165-00844-0021`

Property Details

APN / Parcel Number

Primary APN	`165-00844-0021`

Exterior

Lot Area	15,682 sqft (0.36 acres)

Location & Zoning

Street Address	220 SPRING ST
City	OSCEOLA
State	WI
Zip	54020-4366
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 PLAT OF GATEWAY MEADOWS LOC OL 169
Legal Lot Number	21
Jurisdiction	POLK WI
Township / Civil Division	OSCEOLA
Census Block Group	1
Census Block	1052
Census Tract	960800

Owner

220 Spring St is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	220 SPRING ST, OSCEOLA, WI 54020-4366
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
Nov 5, 2024	Deed of Trust, Mortgage · Conventional Mortgage WESTCONSIN CU
Jun 23, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Oct 31, 2017	Warranty Deed, Subdivision Related Transfer POLK COUNTY ABSTRACT
Jul 25, 2017	Warranty Deed, Transfer · Conventional Mortgage NIGHTINGALE PARTNERS LLP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2021 · Amount on File
Deed Sale	Jun 23, 2021 · Amount on File
Prior Sale	Oct 31, 2017 · Amount on File
Deed Document Number	897842
Record Updated	Jun 8, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK WI
Property Address	220 SPRING ST, OSCEOLA, WI 54020-4366
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000930297
Date	Nov 5, 2024
Instrument	930297

Lender

Name	WESTCONSIN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.88%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2020
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	12.8%
Index	Other
Margin	4
Max Rate	12.8%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK WI
Recording Date	Jun 23, 2021
Property Address	220 SPRING ST, OSCEOLA, WI 54020-4366
Document Number	0000897842
Instrument Date	Jun 14, 2021
Instrument	897842
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$795.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000897843
Date	Jun 23, 2021
Instrument	897843

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

October 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK WI
Recording Date	Oct 31, 2017
Property Address	220 SPRING ST, OSCEOLA, WI 54020-4366
Document Number	0000856915
Instrument Date	Oct 30, 2017
Instrument	856915
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 19, 2026
Title Company	POLK COUNTY ABSTRACT

Transaction

Amount	Amount on Record
Tax	$587.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK WI
Recording Date	Jul 25, 2017
Property Address	220 SPRING ST, OSCEOLA, WI 54020-4366
Document Number	0000853682
Instrument Date	Jul 14, 2017
Instrument	853682
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount on Record
Tax	$45.00
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	0000853683
Date	Jul 25, 2017
Instrument	853683

Lender

Name	NIGHTINGALE PARTNERS LLP
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 220 Spring St was $3,999 with a homeowner's 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	$3,999.00 Homeowner's exemption	$271,900 Land $33,200 Building $238,700	$338,000 Land $41,271 Building $296,729
2023	$3,620.00 (-4.41%) Homeowner's exemption	$271,900 (-) Land $33,200 Building $238,700	$285,600 (+6.37%)
2022	$3,787.00 Homeowner's exemption	$271,900 Land $33,200 Building $238,700	$268,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 220 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 220 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.

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