3545 Cambridge Pl, River Falls, WI 54022 Property Records

St. Croix County property record for 3545 Cambridge Pl, River Falls, WI 54022

Property Summary

Property Type	Single Family Home
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Jul 2020)
Tax Bill	$6,900 (2026)
Deeds & Mortgages	May 2023 Line of Credit Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`276-1155-21-000`

Property Details

APN / Parcel Number

Primary APN	`276-1155-21-000`
Alternative APN	`24.28.19.1481`

Exterior

Lot Area	10,454 sqft (0.24 acres)

Location & Zoning

Street Address	3545 CAMBRIDGE PL
City	RIVER FALLS
State	WI
Zip	54022-5805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 24 T28N R19W VILLAS OF STERLING PONDS PHASE 2 BLOCK 2 LOT 17
Legal Range	19W
Legal Township	28N
Legal Section	24
Legal Subdivision	VILLAS OF STERLING PONDS
Legal Phase	2
Legal Block	2
Legal Lot Number	17
Jurisdiction	ST CROIX WI
Township / Civil Division	RIVER FALLS
Census Block Group	1
Census Block	1071
Census Tract	120901

Owner

3545 Cambridge Pl is owned and occupied by two individuals who bought it in July 2020.

Source: St. Croix County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3545 CAMBRIDGE PL, RIVER FALLS, WI 54022-5805
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
May 22, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 17, 2021	Deed of Trust, Mortgage · FHA Mortgage ENVOY MORTGAGE LTD
Dec 2, 2020	Deed of Trust, Mortgage · Conventional with PMI PEOPLES HM EQUITY
Jul 7, 2020	Warranty Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD
Jun 19, 2019	Warranty Deed, Transfer KNIGHT BARRY TITLE UNITED LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2020 · Amount on File
Deed Sale	Jul 7, 2020 · Amount on File
Prior Sale	Jun 19, 2019 · Amount on File
Deed Document Number	20201106467
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	3545 CAMBRIDGE PL, RIVER FALLS, WI 54022-5805
Transaction Type	Mortgage
Record Updated	Jun 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001166963
Date	May 22, 2023
Instrument	1166963

Lender

Name	FIGURE LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 12, 2053

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	3545 CAMBRIDGE PL, RIVER FALLS, WI 54022-5805
Transaction Type	Mortgage
Record Updated	Jul 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001125645
Date	Mar 17, 2021
Instrument	1125645

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	3545 CAMBRIDGE PL, RIVER FALLS, WI 54022-5805
Document Number	0001117983
Instrument Date	Dec 2, 2020
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3153 KINGSTON ST RIVER FALLS WI 540225797, RIVER FALLS, WI 54022-5797

Mortgage

Document Number	0001117983
Date	Dec 4, 2020
Instrument	1117983

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Jul 7, 2020
Property Address	3545 CAMBRIDGE PL, RIVER FALLS, WI 54022-5805
Document Number	0001106467
Instrument Date	Jun 25, 2020
Instrument	1106467
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	KNIGHT BARRY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,020.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3545 CAMBRIDGE PL, RIVER FALLS, WI 54022-5805

Mortgage

Document Number	0001106468
Date	Jul 7, 2020
Instrument	1106468

Lender

Name	ENVOY MORTGAGE LTD

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Jun 19, 2019
Property Address	3545 CAMBRIDGE PL, RIVER FALLS, WI 54022-5805
Document Number	0001083314
Instrument Date	Jun 14, 2019
Instrument	1083314
Transaction Type	Transfer
Record Updated	Jul 11, 2019
Title Company	KNIGHT BARRY TITLE UNITED LLC

Transaction

Amount	Amount on Record
Tax	$138.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	620 W CLAIREMONT AVE EAU CLAIRE WI 547016120, EAU CLAIRE, WI 54701-6120

Tax Assessment & Valuation

The 2026 property tax bill for 3545 Cambridge Pl was $6,900 with a homeowner's exemption, up % from the year before.

Source: St. Croix County assessment roll, as of February 20, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	St. Croix County
Municipality	River Falls City
Unified School District	River Falls School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,900.00 (+0.01%) Homeowner's exemption
2025	$6,899.00 Homeowner's exemption	$504,600 Land $80,700 Building $423,900	$504,600 Land $80,700 Building $423,900
2023	$5,491.00 Homeowner's exemption	$340,000 Land $50,500 Building $289,500	$340,000 Land $50,500 Building $289,500

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

Flood

FEMA maps place 3545 Cambridge Pl in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective April 1, 2016 · 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	4 in force
Nearby Flood Claims	3 (1998–2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2020 · 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

The area around 3545 Cambridge Pl 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	RIVER FALLS WATERWORKS serves 16,000 people · EPA ID WI6480246
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Baldwin Telecom.

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