3243 E James Dr, Oak Creek, WI 53154 Property Records

Milwaukee County property record for 3243 E James Dr, Oak Creek, WI 53154

Property Summary

Property Type	Single Family Home
Lot Size	0.433 acres (18,861 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Apr 2010)
Tax Bill	$12,069 (2024)
Deeds & Mortgages	Jul 2023 Second Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`959-0043-000`

Property Details

APN / Parcel Number

Primary APN	`959-0043-000`
Alternative APN	`109590043000`

Exterior

Lot Area	18,861 sqft (0.433 acres)

Location & Zoning

Account Number	109590043000
Street Address	3243 E JAMES DR
City	OAK CREEK
State	WI
Zip	53154-6538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	OAKWOOD LAKE ESTATES II BLK 3 LOT 15 NW 1/4 35-5-22 (0.430 AC)
Legal Range	22E
Legal Township	05N
Legal Section	35
Legal Subdivision	OAKWOOD LAKE ESTATES
Legal Block	3
Legal Lot Number	15
Jurisdiction	MILWAUKEE WI
Township / Civil Division	OAK CREEK
Census Block Group	3
Census Block	3006
Census Tract	160301

Owner

3243 E James Dr is owned and occupied by two individuals who acquired it in September 2014.

Source: Milwaukee County records, as of September 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3243 E JAMES DR, OAK CREEK, WI 53154-6538
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EDUCATORS CU
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Dec 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage EASY MORTGAGE INC
May 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage EDUCATORS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2010 · Amount on File
Deed Sale	Apr 12, 2010 · Amount on File
Deed Document Number	20109862623
Last Transfer Date	Sep 3, 2014
Transfer Doc	0010392955
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILWAUKEE WI
Property Address	3243 E JAMES DR, OAK CREEK, WI 53154-6538
Transaction Type	Mortgage
Record Updated	Jun 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0011354915
Date	Jul 27, 2023
Instrument	11354915

Lender

Name	EDUCATORS CU
Type	Credit Union
Address	STURTEVANT, WI 53177

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 30, 2038

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILWAUKEE WI
Property Address	3243 E JAMES DR, OAK CREEK, WI 53154-6538
Transaction Type	Mortgage
Record Updated	Aug 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011061031
Date	Dec 28, 2020
Instrument	11061031

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILWAUKEE WI
Property Address	3243 E JAMES DR, OAK CREEK, WI 53154-6538
Transaction Type	Mortgage
Record Updated	Aug 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010931956
Date	Dec 4, 2019
Instrument	10931956

Lender

Name	EASY MORTGAGE INC
Type	Mortgage Company
Address	MADISON, WI 53719

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILWAUKEE WI
Property Address	3243 E JAMES DR, OAK CREEK, WI 53154-6538
Document Number	0010677426
Instrument Date	May 24, 2017
Transaction Type	Mortgage
Record Updated	Jul 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3243 E JAMES DR OAK CREEK WI 531546538, OAK CREEK, WI 53154-6538

Mortgage

Document Number	0010677426
Date	May 26, 2017
Instrument	10677426

Lender

Name	EDUCATORS CU
Type	Credit Union
Address	RACINE, WI 53408

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 25, 2027

Tax Assessment & Valuation

Source: Milwaukee County assessment roll, as of September 3, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Milwaukee County
Municipality	Oak Creek City
Unified School District	Oak Creek-Franklin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$774,300 (+6.67%) Land $131,100 Building $643,200	$804,500 (+8.1%)
2024	$12,069.00 Homeowner's exemption	$725,900 Land $121,800 Building $604,100	$744,200
2022	$12,098.00 Homeowner's exemption	$636,000 Land $121,800 Building $514,200	$671,300

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

Flood

FEMA maps place 3243 E James Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 26, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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.

Wildfire

Wildfire risk around 3243 E James Dr is low, with less than a 0.01% annual chance of wildfire.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: AT&T, T-Mobile, Verizon.

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