2819 45th Ave, Osceola, WI 54020 Property Records

Polk County property record for 2819 45th Ave, Osceola, WI 54020

Property Summary

Property Type	Single Family Home
Lot Size	1.16 acres (50,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Sep 2022)
Tax Bill	$3,196 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Jun 2016 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`022-00159-0000`

Property Details

APN / Parcel Number

Primary APN	`022-00159-0000`

Exterior

Lot Area	50,530 sqft (1.16 acres)

Location & Zoning

Street Address	2819 45TH AVE
City	OSCEOLA
State	WI
Zip	54020-4004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 253' OF S 200' OF SE NE AND 18' OF SW NE AS SHOWN ON CSM1424 V7 & PG 1 (483347)
Legal Range	19W
Legal Township	32N
Legal Section	08
Jurisdiction	POLK WI
Township / Civil Division	FARMINGTON
Census Block Group	2
Census Block	2025
Census Tract	960800

Owner

Source: Polk County records, as of February 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2819 45TH AVE, OSCEOLA, WI 54020-4004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2019	Deed of Trust, Mortgage · ARM HIAWATHA NATIONAL BANK
Jun 17, 2016	Deed of Trust, Mortgage · Conventional Mortgage HIAWATHA NATIONAL BANK
Aug 4, 2016	Deed of Trust, Mortgage · Line of Credit HIAWATHA NATIONAL BANK
Sep 23, 2022	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
Dec 4, 2008	Warranty Deed, Transfer
Feb 12, 2007	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2022 · Amount on Record
Deed Sale	Sep 23, 2022 · Amount on Record
Prior Sale	Dec 4, 2008 · Amount on Record
Deed Document Number	2022912492
Prior Transfer Date	Jan 26, 2007
Prior Transfer Doc	01000/0183
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK WI
Property Address	2819 45TH AVE, OSCEOLA, WI 54020-4004
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000877781
Date	Nov 27, 2019
Instrument	877781

Lender

Name	HIAWATHA NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2034

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.63%
Index	5-Year CMT

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK WI
Property Address	2819 45TH AVE, OSCEOLA, WI 54020-4004
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000840909
Date	Jun 17, 2016
Instrument	840909

Lender

Name	HIAWATHA NATIONAL BANK
Type	Bank
Address	HUDSON, WI 54016

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2046

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK WI
Property Address	2819 45TH AVE, OSCEOLA, WI 54020-4004
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000842535
Date	Aug 4, 2016
Instrument	842535

Lender

Name	HIAWATHA NATIONAL BANK
Type	Bank
Address	OSCEOLA, WI 54020

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK WI
Recording Date	Sep 23, 2022
Property Address	2819 45TH AVE, OSCEOLA, WI 54020-4004
Document Number	0000912492
Map Reference	DOC 483347 PG 1
Instrument Date	Sep 23, 2022
Instrument	912492
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	ST CROIX COUNTY ABSTRACT & T

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
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	0000912494
Date	Sep 23, 2022
Instrument	912494

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

December 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK WI
Recording Date	Dec 4, 2008
Property Address	2819 45TH AVE, OSCEOLA, WI 54020-4004
Document Number	0000751921
Instrument Date	Nov 19, 2008
Instrument	00751921
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount Recorded
Tax	$405.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	INVERNESS, FL 33453

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2819 45TH AVE, OSCEOLA, WI 54020-4004

February 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK WI
Recording Date	Feb 12, 2007
Property Address	2819 45TH AVE, OSCEOLA, WI 54020-4004
Document Number	01000/0183
Book / Page	1000 / 0183
Instrument Date	Jan 26, 2007
Instrument	00728325
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	520 S JACKSON ST, BEVERLY HILLS, FL 34465-4357

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2819 45TH AVE, OSCEOLA, WI 54020-4004

Tax Assessment & Valuation

Source: Polk County assessment roll, as of February 19, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Polk County
County Subdivision	Farmington Town
Unified School District	Osceola School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,196.00 (+1.27%)	$262,800 (-) Land $31,300 Building $231,500	$322,700 (+15.37%) Land $38,434 Building $284,266
2023	$3,156.00 (+47.27%) Homeowner's exemption	$262,800 (+105.15%) Land $31,300 Building $231,500	$279,700 (+43.07%)
2022	$2,143.00 Homeowner's exemption	$128,100 Land $13,300 Building $114,800	$195,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lakeland Communications Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 45th Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures