2975 Elgin Ct, River Falls, WI 54022 Property Records

St. Croix County property record for 2975 Elgin Ct, River Falls, WI 54022

Property Summary

Property Type	Single Family Home
Lot Size	0.312 acres (13,591 sqft)
Owner	2 Individual Names on File
Last Sale	$675,000 (Jul 2026)
Tax Bill	$8,386 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`276-1164-29-000`

Property Details

APN / Parcel Number

Primary APN	`276-1164-29-000`
Alternative APN	`24.28.19.1631`

Exterior

Lot Area	13,591 sqft (0.312 acres)

Location & Zoning

Street Address	2975 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 SE SW PLAT STERLING PONDS 3RD ADDN BLOCK 8 LOT 9
Legal Range	19W
Legal Township	28N
Legal Section	24
Legal Subdivision	STERLING PONDS
Legal Block	8
Legal Lot Number	9
Jurisdiction	ST CROIX WI
Township / Civil Division	RIVER FALLS
Census Block Group	1
Census Block	1030
Census Tract	120901

Owner

2975 Elgin Ct is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	2975 ELGIN CT, RIVER FALLS, WI 54022-9301
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

Date	Document
Jul 16, 2026	Warranty Deed, Transfer · VA Mortgage NETX MORTGAGE LLC
Aug 10, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 1, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2026 · Amount on File
Deed Sale	Jul 16, 2026 · Amount on File
Prior Sale	Aug 10, 2022 · Amount on File
Deed Document Number	20261210206
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Jul 16, 2026
Property Address	2975 ELGIN CT, RIVER FALLS, WI 54022-9301
Document Number	0001210206
Instrument Date	Jul 10, 2026
Instrument	20261210206
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	LEGACY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$204,525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2975 ELGIN CT, RIVER FALLS, WI 54022-9301

Mortgage

Document Number	0001210207,
Date	Jul 16, 2026
Instrument	20261210207

Lender

Name	NETX MORTGAGE LLC

Agreement

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

Interest

Rate	6.48%
Max Rate	-1%

August 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Aug 10, 2022
Property Address	2975 ELGIN CT, RIVER FALLS, WI 54022-9301
Document Number	0001157239
Instrument Date	Aug 9, 2022
Instrument	1157239
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 7, 2024
Title Company	LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,828.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Investor	Possibly a Property Investor

Mortgage

Document Number	0001157240
Date	Aug 10, 2022
Instrument	1157240

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Mar 1, 2022
Property Address	2975 ELGIN CT, RIVER FALLS, WI 54022-9301
Document Number	0001149255
Instrument Date	Feb 16, 2022
Instrument	1149255
Transaction Type	Transfer
Record Updated	Mar 7, 2024

Transaction

Amount	Amount on Record
Tax	$900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 2975 Elgin Ct was $8,386 with a homeowner's exemption, up % from the year before.

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	$8,386.00 (+0.01%) Homeowner's exemption
2025	$8,385.00 Homeowner's exemption	$609,500 Land $85,700 Building $523,800	$609,500 Land $85,700 Building $523,800
2023	$8,115.00	$481,500 Land $53,600 Building $427,900	$481,500 Land $53,600 Building $427,900

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

Flood

FEMA maps place 2975 Elgin Ct in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1998.

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

Wildfire risk around 2975 Elgin Ct 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 94% of the US · lower than 83% 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.

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 168 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Baldwin Telecom.

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