Winnebago County property record for 321 Prospect Ave, Oshkosh, WI 54901
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,108 sqft · built 1920 |
| Lot Size | 0.107 acres (4,680 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $162,400 (Jan 2026) |
| Tax Bill | $2,468 (2024) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Dec 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-07490000 |
| Primary APN | 10-07490000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,108 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,680 sqft (0.107 acres) |
| Shed | 1 Shed |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 910-07490000 |
|---|---|
| Street Address | 321 PROSPECT AVE |
| City | OSHKOSH |
| State | WI |
| Zip | 54901-3728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | E 42 FT OF W 158 FT OF LOT 3 BLK 85 & N 30 FT OF E 28 FT OFW 160 FT OF LOT 2 BLK 85 P V WRIGHTS ADDN |
| Legal Subdivision | PHILIP V WRIGHTS SUBDIVISION |
| Legal Block | 85 |
| Legal Lot Number | 3,2 |
| Jurisdiction | WINNEBAGO WI |
| Township / Civil Division | OSHKOSH |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 502 |
Source: Winnebago County records, as of May 27, 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 |
|---|---|
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 8, 2026 | Warranty Deed, Transfer · FHA Mortgage HOME STATE BANK NA |
| Dec 16, 2021 | Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Dec 16, 2021 | Affidavit of Death of Joint Tenant, Transfer SCHMITT TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2026 · Amount on Record |
| Deed Sale | Jan 8, 2026 · Amount on Record |
| Prior Sale | Dec 16, 2021 · Amount on Record |
| Deed Document Number | 20261959528 |
| Prior Transfer Date | Dec 15, 2021 |
| Prior Transfer Doc | 0001871344 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | Jan 8, 2026 |
| Property Address | 321 PROSPECT AVE, OSHKOSH, WI 54901-3728 |
| Document Number | 0001959528 |
| Instrument Date | Jan 6, 2026 |
| Instrument | 1959528 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $487.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 0001959529 |
|---|---|
| Date | Jan 8, 2026 |
| Instrument | 1959529 |
| Name | HOME STATE BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | Dec 16, 2021 |
| Property Address | 321 PROSPECT AVE, OSHKOSH, WI 54901-3728 |
| Document Number | 0001871345 |
| Instrument Date | Dec 15, 2021 |
| Instrument | 1871345 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $299.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 321 PROSPECT AVE, OSHKOSH, WI 54901-3728 |
| Investor | Possibly a Property Investor |
| Document Number | 0001871346 |
|---|---|
| Date | Dec 16, 2021 |
| Instrument | 1871346 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Number | 0001871347 |
|---|---|
| Date | Dec 16, 2021 |
| Instrument | 1871347 |
| Name | WISCONSIN HOUSING & ECONOMIC DEV AUTH |
|---|---|
| Type | Government Agency |
| Address | MADISON, WI 53703 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jan 1, 2032 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | Dec 16, 2021 |
| Property Address | 321 PROSPECT AVE, OSHKOSH, WI 54901-3728 |
| Document Number | 0001871344 |
| Instrument Date | Dec 15, 2021 |
| Instrument | 1871344 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2024 |
| Title Company | SCHMITT TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 321 PROSPECT AVE, OSHKOSH, WI 54901-3728 |
Source: Winnebago County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Winnebago County |
| Municipality | Oshkosh City |
| Unified School District | Oshkosh Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $144,700 (-) Land $18,500 Building $126,200 | ||
| 2024 | $2,468.00 (+22.48%) | $144,700 (+82.01%) Land $18,500 Building $126,200 | $150,975 (+31.42%) Land $19,302 Building $131,673 |
| 2023 | $2,015.00 (-0.84%) Homeowner's exemption | $79,500 (-) Land $11,600 Building $67,900 | $114,879 Land $16,762 Building $98,117 |
| 2022 | $2,032.00 Homeowner's exemption | $79,500 Land $11,600 Building $67,900 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective March 26, 2019 · 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 97.9% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OSHKOSH WATERWORKS serves 63,000 people · EPA ID WI4710457 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 6 ppb (2025) 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, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 777 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Bertram Communications Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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