321 Mill St, Osceola, WI 54020 Property Records

Polk County property record for 321 Mill St, Osceola, WI 54020

Property Summary

Property Type	Single Family Home
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$154,400 (Oct 2016)
Tax Bill	$3,318 (2025)
Deeds & Mortgages	Oct 2016 Sale & Mortgage Sep 2016 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`165-00844-0010`

Property Details

APN / Parcel Number

Primary APN	`165-00844-0010`

Exterior

Lot Area	10,019 sqft (0.23 acres)

Location & Zoning

Street Address	321 MILL ST
City	OSCEOLA
State	WI
Zip	54020-4363
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 PLAT OF GATEWAY MEADOWS LOC OL 170
Legal Lot Number	10
Jurisdiction	POLK WI
Township / Civil Division	OSCEOLA
Census Block Group	1
Census Block	1005
Census Tract	960800

Owner

Source: Polk County records, as of February 18, 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	321 MILL ST, OSCEOLA, WI 54020-4363
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2016	Warranty Deed, Subdivision Related Transfer · ARM HIAWATHA NATIONAL BANK
Sep 1, 2016	Warranty Deed, Transfer · Stand-Alone First Mortgage NIGHTINGALE PARTNERS LLP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2016 · Amount on Record
Deed Sale	Oct 6, 2016 · Amount on Record
Prior Sale	Sep 1, 2016 · Amount on Record
Deed Document Number	844659
Record Updated	Jun 8, 2026

October 2016: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK WI
Recording Date	Oct 6, 2016
Property Address	321 MILL ST, OSCEOLA, WI 54020-4363
Document Number	0000844659
Instrument Date	Oct 4, 2016
Instrument	844659
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$463.20
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	0000844660
Date	Oct 6, 2016
Instrument	844660

Lender

Name	HIAWATHA NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Nov 1, 2021
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	5-Year CMT
Max Rate	9.87%

September 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK WI
Recording Date	Sep 1, 2016
Property Address	321 MILL ST, OSCEOLA, WI 54020-4363
Document Number	0000843508
Instrument Date	Aug 1, 2016
Instrument	843508
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount Recorded
Tax	$45.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000843509
Date	Sep 1, 2016
Instrument	843509

Lender

Name	NIGHTINGALE PARTNERS LLP
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Polk County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Polk County
Municipality	Osceola Village
Unified School District	Osceola School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,318.00 (+11.08%) Homeowner's exemption	$227,900 (-) Land $23,100 Building $204,800	$283,300 (+18.34%) Land $28,715 Building $254,585
2023	$2,987.00 Homeowner's exemption	$227,900 Land $23,100 Building $204,800	$239,400

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 September 16, 2011 · 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	1 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Apr 2023 · 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Brightspeed, Lakeland Communications.

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