3709 E Ryan Rd, Oak Creek, WI 53154 Property Records

Milwaukee County property record for 3709 E Ryan Rd, Oak Creek, WI 53154

Property Summary

Property Type	Single Family Home
Lot Size	0.503 acres (21,911 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Jul 2026)
Tax Bill	$4,607 (2024)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`912-0011-000`

Property Details

APN / Parcel Number

Primary APN	`912-0011-000`
Alternative APN	`109120011000`

Exterior

Lot Area	21,911 sqft (0.503 acres)

Location & Zoning

Account Number	109120011000
Street Address	3709 E RYAN RD
City	OAK CREEK
State	WI
Zip	53154-4844
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	NE1/4 SEC. 26-5-22 ASSESSMENT SUBD NO 57 LOT 5 BLOCK 2
Legal Range	22E
Legal Township	05N
Legal Section	26
Legal Subdivision	ASSESSMENT SUBD
Legal Block	2
Legal Lot Number	5
Jurisdiction	MILWAUKEE WI
Township / Civil Division	OAK CREEK
Census Block Group	1
Census Block	1005
Census Tract	160301

Owner

Source: Milwaukee County records, as of September 3, 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	3709 E RYAN RD, OAK CREEK, WI 53154-4844
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Dec 5, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage BMO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2026 · Amount on Record
Deed Sale	Jul 20, 2026 · Amount on Record
Prior Sale	Mar 8, 2001 · Amount on Record
Deed Document Number	202611620509
Prior Transfer Date	Nov 16, 2023
Prior Transfer Doc	0011385861
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILWAUKEE WI
Recording Date	Jul 20, 2026
Property Address	3709 E RYAN RD, OAK CREEK, WI 53154-4844
Document Number	0011620509
Instrument Date	Jul 15, 2026
Instrument	202611620509
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$80,295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3709 E RYAN RD, OAK CREEK, WI 53154-4844

Mortgage

Document Number	0011620510,
Date	Jul 20, 2026
Instrument	202611620510

Lender

Name	BELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MILWAUKEE WI
Recording Date	Dec 5, 2023
Property Address	3709 E RYAN RD, OAK CREEK, WI 53154-4844
Document Number	0011385861
Instrument Date	Nov 16, 2023
Instrument	11385861
Transaction Type	Transfer
Record Updated	Jun 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3709 E RYAN RD, OAK CREEK, WI 53154-4844

Mortgage

Document Number	0011385862
Date	Dec 5, 2023
Instrument	11385862

Lender

Name	BMO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

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		$286,100 (+7.27%) Land $84,300 Building $201,800	$297,300 (+8.74%)
2024	$4,607.00 (+8.32%) Homeowner's exemption	$266,700 (+14.27%) Land $78,300 Building $188,400	$273,400 (+11%)
2022	$4,253.00 Homeowner's exemption	$233,400 Land $78,300 Building $155,100	$246,300

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 October 26, 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 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.

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 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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