Polk County property record for 2465 40th St, Cumberland, WI 54829
| Property Type | Single Family Home |
|---|---|
| Lot Size | 20 acres (871,200 sqft) |
| Owner | Individual Name on File |
| Last Sale | $275,000 (Apr 2022) |
| Tax Bill | $3,168 (2025) |
| Deeds & Mortgages | Aug 2022 Construction Loan Apr 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-00745-0000 |
| Primary APN | 038-00745-0000 |
|---|
| Lot Area | 871,200 sqft (20 acres) |
|---|
| Street Address | 2465 40TH ST |
|---|---|
| City | CUMBERLAND |
| State | WI |
| Zip | 54829-9375 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 1/2 SE NE |
| Jurisdiction | POLK WI |
| Township / Civil Division | MCKINLEY |
| Census Block Group | 3 |
| Census Block | 3075 |
| Census Tract | 960100 |
2465 40th St is owned and occupied by an individual who bought it in April 2022.
Source: Polk County records, as of February 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2465 40TH ST, CUMBERLAND, WI 54829-9375 |
| 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 |
|---|---|
| Aug 16, 2022 | Deed of Trust, Mortgage · Construction Mortgage MIDWESTON BANK |
| Apr 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage SECURITY FINANCIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2022 · Amount on File |
| Deed Sale | Apr 29, 2022 · Amount on File |
| Deed Document Number | 908163 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK WI |
| Property Address | 2465 40TH ST, CUMBERLAND, WI 54829-9375 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000911446 |
|---|---|
| Date | Aug 16, 2022 |
| Instrument | 911446 |
| Name | MIDWESTON BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 5.38% |
| Max Rate At Change | 7.38% |
| Index | 1-Year CMT |
| Margin | 3 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK WI |
| Recording Date | Apr 29, 2022 |
| Property Address | 2465 40TH ST, CUMBERLAND, WI 54829-9375 |
| Document Number | 0000908163 |
| Instrument Date | Apr 11, 2022 |
| Instrument | 908163 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2023 |
| Title Company | NORTHWEST LAND TITLE INC, NORTHWEST LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $825.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000908164 |
|---|---|
| Date | Apr 29, 2022 |
| Instrument | 908164 |
| Name | SECURITY FINANCIAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 4.25% |
|---|
The 2025 property tax bill for 2465 40th St was $3,168.
Source: Polk County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Polk County |
| County Subdivision | McKinley Town |
| Unified School District | Luck School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,168.00 | $213,600 Land $17,400 Building $196,200 | $317,600 Land $25,872 Building $291,728 |
| 2023 | $712.00 (+91.4%) | $55,000 (+66.16%) Land $17,400 Building $37,600 | $83,600 (+79.01%) |
| 2022 | $372.00 | $33,100 Land $17,600 Building $15,500 | $46,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2465 40th St in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 2465 40th 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.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Brightspeed DSL | 100 / 10 |
May also be available: AT&T, Verizon.
5G (outdoors only) and 4G LTE
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