316 Locust St, Onalaska, WI 54650 Property Records

La Crosse County property record for 316 Locust St, Onalaska, WI 54650

Property Summary

Property Type	Single Family Home
Lot Size	0.139 acres (6,098 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,257 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`018-000134-000`

Property Details

APN / Parcel Number

Primary APN	`018-000134-000`
Alternative APNs	`18 134 0` `40223`

Exterior

Lot Area	6,098 sqft (0.139 acres)
Lot Dimensions	50 ft deep x 121 ft wide

Location & Zoning

Account Number	40223
Old Parcel Number	18 134 0
Street Address	316 LOCUST ST
City	ONALASKA
State	WI
Zip	54650-2523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL TOWN OF ONALASKA LOT 12 BLOCK 17
Legal Range	07
Legal Township	16
Legal Section	05
Legal Quarter	SE
Quarter-Quarter Section	SE
Legal Block	17
Legal Lot Number	12
Jurisdiction	LA CROSSE WI
Township / Civil Division	ONALASKA
Census Block Group	3
Census Block	3011
Census Tract	10403

Owner

Source: La Crosse County records, as of February 16, 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
Co-owner	Co-owner on Record
Mailing Address	316 LOCUST ST, ONALASKA, WI 54650-2523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK
Apr 17, 2024	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 1988
Deed Sale	Sep 29, 1988
Deed Document Number	1014667
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Recording Date	Apr 23, 2026
Property Address	316 LOCUST ST, ONALASKA, WI 54650-2523
Document Number	0001847935
Instrument Date	Apr 16, 2026
Instrument	20261847935
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 LOCUST ST, ONALASKA, WI 54650-2523

Mortgage

Document Number	0001847935,
Date	Apr 23, 2026
Instrument	20261847935

Lender

Name	BMO HARRIS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2056

Interest

Rate	6.22%
Max Rate	-1%

April 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LA CROSSE WI
Recording Date	Apr 17, 2024
Property Address	316 LOCUST ST, ONALASKA, WI 54650-2523
Document Number	0001819147
Instrument Date	Apr 17, 2024
Instrument	1819147
Transaction Type	Transfer
Record Updated	May 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: La Crosse County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	La Crosse County
Municipality	Onalaska City
Unified School District	Onalaska School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,257.00 (+0.22%) Homeowner's exemption	$255,800 (+32.88%) Land $42,700 Building $213,100	$258,800 (+34.44%)
2023	$3,250.00 Homeowner's exemption	$192,500 Land $30,500 Building $162,000	$192,500 Land $30,500 Building $162,000

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 February 3, 2023

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 93% of the US · lower than 81% 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	ONALASKA WATERWORKS serves 18,000 people · EPA ID WI6320327
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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, 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 520 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Locust St

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