228 N 4th St, River Falls, WI 54022 Property Records

Pierce County property record for 228 N 4th St, River Falls, WI 54022

Property Summary

Property Type	Single Family Home
Lot Size	0.12 acres (5,280 sqft)
Owner	Individual Name on File
Last Sale	$148,000 (Mar 2017)
Tax Bill	$3,219 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`276-1025-400`

Property Details

APN / Parcel Number

Primary APN	`276-1025-400`
Alternative APNs	`276227190111P30400300A` `276-01025-0400`

Exterior

Lot Area	5,280 sqft (0.12 acres)
Lot Dimensions	40 ft deep x 132 ft wide

Location & Zoning

Street Address	228 N 4TH ST
City	RIVER FALLS
State	WI
Zip	54022-2333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 40 FT LOTS 12 & 13 BLK 3 THAYERS ADD TO THAYERS ADD TO NN & OS POWELLS ADD (LOT SIZE 132 X 40)
Legal Range	19W
Legal Township	27N
Legal Section	01
Legal Subdivision	THAYERS ADDITION
Legal Block	3
Legal Lot Number	12
Jurisdiction	PIERCE WI
Township / Civil Division	RIVER FALLS
Census Block Group	2
Census Block	2009
Census Tract	960300

Owner

228 N 4th St is owned and occupied by an individual who bought it in March 2017.

Source: Pierce County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	228 N 4TH ST, RIVER FALLS, WI 54022-2333
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
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Oct 28, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE
Aug 19, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Mar 22, 2017	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2017 · Amount on File
Deed Sale	Mar 22, 2017 · Amount on File
Deed Document Number	2017570919
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WI
Property Address	228 N 4TH ST, RIVER FALLS, WI 54022-2333
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000605229
Date	Sep 2, 2021
Instrument	605229

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	312 Months
Due	Jun 1, 2047

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WI
Property Address	228 N 4TH ST, RIVER FALLS, WI 54022-2333
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000588589
Date	Oct 28, 2019
Instrument	588589

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	May 1, 2047

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIERCE WI
Property Address	228 N 4TH ST, RIVER FALLS, WI 54022-2333
Document Number	0000595648
Instrument Date	Aug 19, 2020
Transaction Type	Mortgage
Record Updated	Sep 7, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	228 N 4TH ST RIVER FALLS WI 540222333, RIVER FALLS, WI 54022-2333

Mortgage

Document Number	0000595648
Date	Aug 28, 2020
Instrument	595648

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Aug 27, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIERCE WI
Recording Date	Mar 22, 2017
Property Address	228 N 4TH ST, RIVER FALLS, WI 54022-2333
Document Number	0000570919
Instrument Date	Mar 15, 2017
Instrument	570919
Transaction Type	Transfer
Record Updated	Jan 25, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$444.00
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	0000570920
Date	Mar 22, 2017
Instrument	570920

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 228 N 4th St was $3,219 with a homeowner's exemption.

Source: Pierce County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Pierce County
Municipality	River Falls City
Unified School District	River Falls School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,219.00 Homeowner's exemption	$228,200 Land $34,300 Building $193,900	$238,300 Land $35,818 Building $202,482
2023	$3,861.00 Homeowner's exemption	$188,300 Land $26,400 Building $161,900	$191,293 Land $26,819 Building $164,474

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

Flood

FEMA maps place 228 N 4th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.

Source: FEMA National Flood Hazard Layer, effective December 29, 2020 · 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	1 (2001)
Most Recent Claim	May 2001 · Flooding, Severe Storms And Tornadoes

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 228 N 4th 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	None beyond ember reach

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	RIVER FALLS WATERWORKS serves 16,000 people · EPA ID WI6480246
Water Source	Groundwater
Last State Inspection	Feb 2024
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 359 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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