23 W Smith Ave, Oshkosh, WI 54901 Property Records

Winnebago County property record for 23 W Smith Ave, Oshkosh, WI 54901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,450 sqft · built 1998
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Jul 2026)
Tax Bill	$3,958 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-18870100`

Property Details

APN / Parcel Number

Primary APN	`15-18870100`
Alternative APN	`915-18870100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,450 sqft Living Area
Gross Area	805 sqft
Basement Area	805 sqft
Finished Basement	805 sqft
Family Room	Family Room

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	484 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	915-18870100
Street Address	23 W SMITH AVE
City	OSHKOSH
State	WI
Zip	54901-1967
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	W 50 FT OF E 250 FT OF N 150 FT LYG S OF SMITH AVE & W OFMAIN ST NW1/4 OF SW1/4 SEC 12
Legal Subdivision	INTER URBAN LAN COS THIRD ADDITION
Jurisdiction	WINNEBAGO WI
Township / Civil Division	OSHKOSH
Census Block Group	1
Census Block	1022
Census Tract	400

Owner

23 W Smith Ave is owned and occupied by two individuals who bought it in July 2026.

Source: Winnebago County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	23 W SMITH AVE, OSHKOSH, WI 54901-1967
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2026 · Amount on File
Deed Sale	Jul 10, 2026 · Amount on File
Prior Sale	Mar 6, 2018 · Amount on File
Deed Document Number	20261970903
Prior Transfer Date	Mar 13, 2005
Prior Transfer Doc	0001348098
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO WI
Recording Date	Jul 10, 2026
Property Address	23 W SMITH AVE, OSHKOSH, WI 54901-1967
Document Number	0001970903
Instrument Date	Jul 1, 2026
Instrument	20261970903
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$78,780.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 W SMITH AVE, OSHKOSH, WI 54901-1967

Mortgage

Document Number	0001970904,
Date	Jul 10, 2026
Instrument	20261970904

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 23 W Smith Ave was $3,958, down 3.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Wisconsin
County	Winnebago County
Municipality	Oshkosh City
Unified School District	Oshkosh Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,958.00 (-3.7%)	$231,500 (-) Land $27,800 Building $203,700
2024	$4,110.00 (+12.45%)	$231,500 (+71.99%) Land $27,800 Building $203,700
2023	$3,655.00 (+0.05%) Homeowner's exemption	$134,600 (-) Land $18,600 Building $116,000	$194,500 Land $26,877 Building $167,623
2022	$3,653.00 Homeowner's exemption	$134,600 Land $18,600 Building $116,000

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

Flood

FEMA maps place 23 W Smith Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 26, 2019 · 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

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

The area around 23 W Smith Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	OSHKOSH WATERWORKS serves 63,000 people · EPA ID WI4710457
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 375 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
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: TDS Telecom, Verizon.

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