317 Sumac Trl, Rhinelander, WI 54501 Property Records

Oneida County property record for 317 Sumac Trl, Rhinelander, WI 54501

Property Summary

Property Type	Single Family Home
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Nov 2021)
Tax Bill	$3,871 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`RH 3416`

Property Details

APN / Parcel Number

Primary APN	`RH 3416`

Exterior

Lot Area	17,860 sqft (0.41 acres)

Location & Zoning

Street Address	317 SUMAC TRL
City	RHINELANDER
State	WI
Zip	54501-2565
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 828310/556664 HIGHLAND ESTATES LOT 8 BLK 2
Legal Range	08E
Legal Township	36N
Legal Section	01
Legal Subdivision	HIGHLAND ESTATES
Legal Block	2
Legal Lot Number	8
Jurisdiction	ONEIDA WI
Township / Civil Division	RHINELANDER
Census Block Group	1
Census Block	1028
Census Tract	971500

Owner

Source: Oneida County records, as of March 24, 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 Record
Mailing Address	317 SUMAC TRL, RHINELANDER, WI 54501-2565
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2022	Deed of Trust, Mortgage · Line of Credit COVANTAGE CU
Nov 29, 2021	Warranty Deed, Transfer · Conventional Mortgage COVANTAGE CU
Jan 13, 2021	Deed of Trust, Mortgage · Line of Credit COVANTAGE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2021 · Amount on Record
Deed Sale	Nov 29, 2021 · Amount on Record
Deed Document Number	2021828310
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA WI
Property Address	317 SUMAC TRL, RHINELANDER, WI 54501-2565
Transaction Type	Mortgage
Record Updated	Dec 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000839671
Date	Dec 8, 2022
Instrument	839671

Lender

Name	COVANTAGE CU
Type	Credit Union
Address	ANTIGO, WI 54409

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 15, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA WI
Recording Date	Nov 29, 2021
Property Address	317 SUMAC TRL, RHINELANDER, WI 54501-2565
Document Number	828310
Instrument Date	Nov 24, 2021
Instrument	828310
Transaction Type	Transfer
Record Updated	Dec 8, 2021
Title Company	ONEIDA TITLE AND ABSTRACT INC, ONEIDA TITLE & ABSTRACT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
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	828311
Date	Nov 29, 2021
Instrument	828311

Lender

Name	COVANTAGE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Dec 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	4.87%
Index	1-Year CMT
Max Rate	8.87%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA WI
Property Address	317 SUMAC TRL, RHINELANDER, WI 54501-2565
Transaction Type	Mortgage
Record Updated	Apr 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	815552
Date	Jan 13, 2021
Instrument	815552

Lender

Name	COVANTAGE CU
Type	Credit Union
Address	ANTIGO, WI 54409

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Oneida County assessment roll, as of March 24, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Oneida County
Municipality	Rhinelander City
Unified School District	Rhinelander School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,871.00 (+16.74%)	$140,600 (-) Land $11,900 Building $128,700	$238,439 Land $20,181 Building $218,258
2023	$3,316.00 Homeowner's exemption	$140,600 Land $11,900 Building $128,700

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 May 16, 2013

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RHINELANDER WATER & WASTEWATER serves 8,234 people · EPA ID WI7440126
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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