23858 Howard St, Independence, WI 54747 Property Records

Trempealeau County property record for 23858 Howard St, Independence, WI 54747

Property Summary

Property Type	Single Family Home
Lot Size	0.267 acres (11,640 sqft)
Owner	Individual Name on File
Last Sale	$123,000 (Nov 2023)
Tax Bill	$2,536 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2023 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`241-00457-0000`

Property Details

APN / Parcel Number

Primary APN	`241-00457-0000`

Exterior

Lot Area	11,640 sqft (0.267 acres)

Location & Zoning

Street Address	23858 HOWARD ST
City	INDEPENDENCE
State	WI
Zip	54747-8053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TUBBS & HUTCHINS 2ND ADDE 60' LOT 9 BLK 6
Legal Subdivision	TUBBS & HUTCHINS 2ND ADD
Legal Block	6
Legal Lot Number	9
Jurisdiction	TREMPEALEAU WI
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2156
Census Tract	100300

Owner

23858 Howard St is owned and occupied by an individual who bought it in November 2023.

Source: Trempealeau County records, as of June 8, 2026

Owner of Record	Individual Name on File
Mailing Address	23858 HOWARD ST, INDEPENDENCE, WI 54747-8053
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
Feb 10, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Nov 29, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 2, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2023 · Amount on File
Deed Sale	Nov 29, 2023 · Amount on File
Prior Sale	Jul 2, 2021 · Amount on File
Deed Document Number	2023480675
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TREMPEALEAU WI
Property Address	23858 HOWARD ST, INDEPENDENCE, WI 54747-8053
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000490614
Date	Feb 10, 2026
Instrument	490614

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2051

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TREMPEALEAU WI
Recording Date	Nov 29, 2023
Property Address	23858 HOWARD ST, INDEPENDENCE, WI 54747-8053
Document Number	0000480675
Instrument Date	Nov 29, 2023
Instrument	480675
Transaction Type	Transfer
Record Updated	Dec 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000480676
Date	Nov 29, 2023
Instrument	480676

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TREMPEALEAU WI
Recording Date	Jul 2, 2021
Property Address	23858 HOWARD ST, INDEPENDENCE, WI 54747-8053
Document Number	468211
Instrument Date	Jun 22, 2021
Instrument	468211
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 23858 Howard St was $2,536.

Source: Trempealeau County assessment roll, as of June 8, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Trempealeau County
Municipality	Independence City
Unified School District	Independence School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,536.00	$121,300 Land $13,200 Building $108,100	$130,299 (+6.28%) Land $14,179 Building $116,120
2024			$122,600 (+8.69%)
2023	$2,320.00 (+9.38%)	$87,100 (-) Land $9,800 Building $77,300	$112,800 (+12.46%)
2022	$2,121.00	$87,100 Land $9,800 Building $77,300	$100,300

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

Flood

FEMA maps place 23858 Howard St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 12, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 in force
Nearby Flood Claims	16 (1986–2019)
Claims Outside the SFHA	4 of 16
Most Recent Claim	Mar 2019 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Sep 2010 · 3 claims Severe Storms, Tornadoes & Flooding, Jul 1993 · 2 claims

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 23858 Howard St is low, with less than 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 94% of the US · lower than 85% of Wisconsin
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	INDEPENDENCE WATERWORKS serves 1,500 people · EPA ID WI6620276
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Tri-County Communications Cooperative Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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