2954 Elgin Ct, River Falls, WI 54022 Property Records

St. Croix County property record for 2954 Elgin Ct, River Falls, WI 54022

Property Summary

Property Type	Single Family Home
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Dec 2023)
Tax Bill	$4,806 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`276-1164-23-000`

Property Details

APN / Parcel Number

Primary APN	`276-1164-23-000`
Alternative APN	`24.28.19.1625`

Exterior

Lot Area	7,492 sqft (0.172 acres)

Location & Zoning

Street Address	2954 ELGIN CT
City	RIVER FALLS
State	WI
Zip	54022-9301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 24 T28N R19W SW SW PLAT STERLING PONDS 3RD ADDN BLOCK 8 LOT 3
Legal Range	19W
Legal Township	28N
Legal Section	24
Legal Subdivision	STERLING PONDS
Legal Block	8
Legal Lot Number	3
Jurisdiction	ST CROIX WI
Township / Civil Division	RIVER FALLS
Census Block Group	1
Census Block	1030
Census Tract	120901

Owner

Source: St. Croix County records, as of October 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2954 ELGIN CT, RIVER FALLS, WI 54022-9301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Warranty Deed, Transfer · Conventional Mortgage DRAKE BANK
Sep 8, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CARDINAL FINANCIAL CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2023 · Amount on Record
Deed Sale	Dec 1, 2023 · Amount on Record
Prior Sale	Sep 8, 2021 · Amount on Record
Deed Document Number	20231173869
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Dec 1, 2023
Property Address	2954 ELGIN CT, RIVER FALLS, WI 54022-9301
Document Number	0001173869
Instrument Date	Nov 28, 2023
Instrument	1173869
Transaction Type	Transfer
Record Updated	Dec 20, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,125.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2954 ELGIN CT, RIVER FALLS, WI 54022-9301

Mortgage

Document Number	0001173870
Date	Dec 1, 2023
Instrument	1173870

Lender

Name	DRAKE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

September 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Sep 8, 2021
Property Address	2954 ELGIN CT, RIVER FALLS, WI 54022-9301
Document Number	0001138589
Instrument Date	Sep 7, 2021
Instrument	1138589
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 4, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,002.00
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	0001138590
Date	Sep 8, 2021
Instrument	1138590

Lender

Name	CARDINAL FINANCIAL CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Croix County assessment roll, as of February 20, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	St. Croix 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
2026	$4,806.00 (+0.02%) Homeowner's exemption
2025	$4,805.00 (-4.85%) Homeowner's exemption	$356,800 (+13.63%) Land $59,900 Building $296,900	$356,800 (+13.63%) Land $59,900 Building $296,900
2023	$5,050.00 (-2.4%) Homeowner's exemption	$314,000 (-) Land $37,400 Building $276,600	$314,000 (-) Land $37,400 Building $276,600
2022	$5,174.00	$314,000 Land $37,400 Building $276,600	$314,000 Land $37,400 Building $276,600

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 1, 2016 · 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	4 in force
Nearby Flood Claims	3 (1998–2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2020 · river or lake flooding

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.9% of Wisconsin
Wildfire Likelihood	Under 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Baldwin Telecom, T-Mobile.

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