319 Locust St, Onalaska, WI 54650 Property Records

La Crosse County property record for 319 Locust St, Onalaska, WI 54650

Property Summary

Property Type	Single Family Home
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Sep 2026)
Tax Bill	$2,955 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`018-000254-000`

Property Details

APN / Parcel Number

Primary APN	`018-000254-000`
Alternative APNs	`18 254 0` `40329`

Exterior

Lot Area	12,197 sqft (0.28 acres)

Location & Zoning

Street Address	319 LOCUST ST
City	ONALASKA
State	WI
Zip	54650-2525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MZA
Legal Description	G.B. DRESBACHS ADDITION LOTS 1, 2 & 3 BLOCK 1 EX FOR ST IN V660 P627
Legal Range	07W
Legal Township	16N
Legal Section	05
Legal Subdivision	G.B. DRESBACHS ADDITION
Legal Block	1
Legal Lot Number	1-3
Jurisdiction	LA CROSSE WI
Township / Civil Division	ONALASKA
Census Block Group	3
Census Block	3005
Census Tract	10403

Owner

Source: La Crosse County records, as of September 22, 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
Mailing Address	319 LOCUST ST, ONALASKA, WI 54650-2525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Warranty Deed, Transfer · Conventional Mortgage COULEE BANK
Aug 23, 2022	Intrafamily Transfer, Transfer · FHA Mortgage CARDINAL FINANCIAL CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2026 · Amount on Record
Deed Sale	Sep 4, 2026 · Amount on Record
Deed Document Number	20261854205
Prior Transfer Date	Aug 22, 2022
Prior Transfer Doc	0001798528
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Sep 4, 2026
Property Address	319 LOCUST ST, ONALASKA, WI 54650-2525
Document Number	0001854205
Instrument Date	Sep 4, 2026
Instrument	20261854205
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	RIVER VALLEY TITLE GROUP LLC, RIVER VALLEY TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63,630.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 LOCUST ST, ONALASKA, WI 54650-2525

Mortgage

Document Number	0001854205,
Date	Sep 4, 2026
Instrument	20261854205

Lender

Name	COULEE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Date	Sep 4, 2026

Lender

Name	WISCONSIN HOUSING AND ECONOMIC DEV ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LA CROSSE WI
Recording Date	Aug 23, 2022
Property Address	319 LOCUST ST, ONALASKA, WI 54650-2525
Document Number	0001798528
Instrument Date	Aug 18, 2022
Instrument	1798528
Transaction Type	Transfer
Record Updated	Sep 14, 2022

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
Address	319 LOCUST ST, ONALASKA, WI 54650-2525

Mortgage

Document Number	0001798529
Date	Aug 23, 2022
Instrument	1798529

Lender

Name	CARDINAL FINANCIAL CO

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: La Crosse County assessment roll, as of March 11, 2026

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	$2,955.00 (-3.71%) Homeowner's exemption	$234,000 (+28.71%) Land $73,100 Building $160,900	$236,700 (+30.2%)
2023	$3,069.00 Homeowner's exemption	$181,800 Land $52,200 Building $129,600	$181,800 Land $52,200 Building $129,600

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 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

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