321 W Thorne St, Ripon, WI 54971 Property Records

Fond Du Lac County property record for 321 W Thorne St, Ripon, WI 54971

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,060 sqft · built 1912
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Nov 2025)
Tax Bill	$2,830 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Aug 2023 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`RIP-16-14-99-CC-020-00`

Property Details

APN / Parcel Number

Primary APN	`RIP-16-14-99-CC-020-00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,060 sqft Living Area
1st Floor Area	1,030 sqft
2nd Floor Area	1,030 sqft
Attic	Attic
Attic Area	515 sqft
Basement Area	1,286 sqft
Family Room	Family Room

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	13.2 ft deep x 6.6 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	321 W THORNE ST
City	RIPON
State	WI
Zip	54971-1456
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	8
Legal Description	S21 T16N R14E CATLIN'S ADDITION PT OF LOT B BLK 1 COM 12 RDS W OF NE COR LOT B ETC AS REC IN 738303
Legal Range	14E
Legal Township	16N
Legal Section	21
Legal Subdivision	CATLINS ADDITION
Legal Block	1
Jurisdiction	FOND DU LAC WI
Township / Civil Division	RIPON
Census Block Group	2
Census Block	2000
Census Tract	41600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Southwest Historic District listed 2004 · 161 contributing resources · NRIS 04000653

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

321 W Thorne St is owned and occupied by an individual who bought it in November 2025.

Source: Fond Du Lac County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	321 W THORNE ST, RIPON, WI 54971-1456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY FIRST CU WISCONSIN
Aug 25, 2023	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2025 · Amount on File
Deed Sale	Nov 19, 2025 · Amount on File
Prior Sale	Aug 25, 2023 · Amount on File
Deed Document Number	20251216331
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Nov 19, 2025
Property Address	321 W THORNE ST, RIPON, WI 54971-1456
Document Number	0001216331
Instrument Date	Nov 14, 2025
Instrument	1216331
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$555.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 W THORNE ST, RIPON, WI 54971-1456

Mortgage

Document Number	0001216332
Date	Nov 19, 2025
Instrument	1216332

Lender

Name	COMMUNITY FIRST CU WISCONSIN
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Dec 1, 2032
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	10.7%
Index	1-Year T-Bill
Max Rate	11.7%

August 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Aug 25, 2023
Property Address	321 W THORNE ST, RIPON, WI 54971-1456
Document Number	0001187078
Instrument Date	Jun 22, 2023
Instrument	1187078
Transaction Type	Foreclosure
Record Updated	Sep 26, 2023

Transaction

Amount	Amount on Record
Tax	$260.10
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	463 CEDAR ST, FOND DU LAC, WI 54935-5558

Tax Assessment & Valuation

The 2025 property tax bill for 321 W Thorne St was $2,830, up 7.6% from the year before.

Source: Fond Du Lac County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Fond Du Lac County
Municipality	Ripon City
Unified School District	Ripon Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,830.00 (+7.56%)	$117,500 (-) Land $19,000 Building $98,500	$181,226 (+16.86%) Land $29,305 Building $151,921
2024	$2,631.00 (+12.48%)	$117,500 (-) Land $19,000 Building $98,500	$155,086 (+12.35%) Land $25,078 Building $130,008
2023	$2,339.00 (+2.63%) Homeowner's exemption	$117,500 (-) Land $19,000 Building $98,500	$138,040 (+11.48%) Land $22,321 Building $115,719
2022	$2,279.00 Homeowner's exemption	$117,500 Land $19,000 Building $98,500	$123,824 Land $20,023 Building $103,801

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 321 W Thorne St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective December 19, 2024 · 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 Claims	2 (2003–2008)
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And 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

The area around 321 W Thorne St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	RIPON WATER UTILITY serves 7,716 people · EPA ID WI4200476
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 ppb (2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 449 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Bertram Communications Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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