Rusk County property record for 304 River Ave E, Ladysmith, WI 54848
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Aug 2018) |
| Tax Bill | $2,161 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Line of Credit Dec 2025 Mortgage + 4 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 246-02473-0000 |
| Primary APN | 246-02473-0000 |
|---|
| Lot Area | 17,424 sqft (0.4 acres) |
|---|
| Street Address | 304 RIVER AVE E |
|---|---|
| City | LADYSMITH |
| State | WI |
| Zip | 54848-1543 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MENASHA WOODENWARE COS 3RD ADD W 12 OF LOT 7 & LOT 8 EX 24 BLOCK 21 VOLUME 642 PAGE 904 |
| Legal Range | 06W |
| Legal Township | 35N |
| Legal Section | 34 |
| Legal Subdivision | MENASHA WOODENWARE CO 3RD ADD |
| Legal Block | 21 |
| Legal Lot Number | 7-8 |
| Jurisdiction | RUSK WI |
| Township / Civil Division | LADYSMITH |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 960500 |
Source: Rusk County records · APN 246-02473-0000
Assessment roll updated February 3, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 304 RIVER AVE E, LADYSMITH, WI 54848-1543 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 23, 2026 | Warranty Deed, Transfer · Line of Credit SHELL LAKE STATE BANK SPOONER |
| Dec 18, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIGURE LENDING LLC |
| Aug 31, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CITY OF LADYSMITH |
| Aug 31, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST AFFORDABLE HOUSING |
| Apr 01, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LADYSMITH FEDERAL S & L |
| Aug 31, 2018 | Warranty Deed, Transfer · Conventional Mortgage LADYSMITH FEDERAL S & L |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 31, 2018 · Amount on Record |
| Deed Sale | Aug 31, 2018 · Amount on Record |
| Deed Document Number | 2018349327 |
| Deed Book / Page | 642 / 904 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUSK WI |
| Recording Date | Mar 23, 2026 |
| Property Address | 304 RIVER AVE E, LADYSMITH, WI 54848-1543 |
| Document Number | 0000376507 |
| Instrument Date | Mar 11, 2026 |
| Instrument | 376507 |
| Transaction Type | Transfer |
| Record Updated | Apr 08, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $573.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000376508 |
|---|---|
| Date | Mar 23, 2026 |
| Instrument | 376508 |
| Name | SHELL LAKE STATE BANK SPOONER |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUSK WI |
| Property Address | 304 RIVER AVE E, LADYSMITH, WI 54848-1543 |
| Transaction Type | Mortgage |
| Record Updated | Jan 07, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000375849 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 375849 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUSK WI |
| Property Address | 304 RIVER AVE E, LADYSMITH, WI 54848-1543 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 642/908 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 642/908 |
| Instrument | 349329 |
| Name | CITY OF LADYSMITH |
|---|---|
| Type | Government Agency |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUSK WI |
| Property Address | 304 RIVER AVE E, LADYSMITH, WI 54848-1543 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 642/911 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 642/911 |
| Instrument | 349330 |
| Name | NORTHWEST AFFORDABLE HOUSING |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUSK WI |
| Property Address | 304 RIVER AVE E, LADYSMITH, WI 54848-1543 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2020 |
| Name | Verified Name |
|---|
| Document Number | 354856 |
|---|---|
| Date | Apr 01, 2020 |
| Instrument | 354856 |
| Name | LADYSMITH FEDERAL S & L |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUSK WI |
| Recording Date | Aug 31, 2018 |
| Property Address | 304 RIVER AVE E, LADYSMITH, WI 54848-1543 |
| Document Number | 000642/904 |
| Book / Page | 642 / 904 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 349327 |
| Transaction Type | Transfer |
| Record Updated | Feb 07, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 462/905 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 462/905 |
| Instrument | 349328 |
| Name | LADYSMITH FEDERAL S & L |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Rusk County records · Assessment roll updated February 3, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Rusk County |
| Municipality | Ladysmith City |
| Unified School District | Ladysmith School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,161.00 (+26.67%) Homeowner's exemption | $78,900 (-) Land $21,900 Building $57,000 | $134,800 (+36.85%) |
| 2023 | $1,706.00 Homeowner's exemption | $78,900 Land $21,900 Building $57,000 | $98,500 |
Source: FEMA National Flood Hazard Layer as of February 1, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1994) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 1994 · river or lake flooding |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Wisconsin |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 220 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LADYSMITH WATERWORKS serves 3,184 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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