3768 E Elm Ln, Oshkosh, WI 54902 Property Records

Winnebago County property record for 3768 E Elm Ln, Oshkosh, WI 54902

Property Summary

Property Type	Single Family Home
Lot Size	0.919 acres (40,044 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Jun 2021)
Tax Bill	$4,530 (2024)
Deeds & Mortgages	Jul 2026 Mortgage May 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-1021`

Property Details

APN / Parcel Number

Primary APN	`004-1021`
Alternative APN	`1703`

Exterior

Lot Area	40,044 sqft (0.919 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	1703
Street Address	3768 E ELM LN
City	OSHKOSH
State	WI
Zip	54902-7313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CANDLISH HARBOR LOT 1 & 2 BLK 3
Legal Range	16E
Legal Township	17N
Legal Section	01
Legal Subdivision	CANDLISH HARBOR
Legal Block	3
Legal Lot Number	1,2
Jurisdiction	WINNEBAGO WI
Township / Civil Division	BLACK WOLF
Census Block Group	2
Census Block	2084
Census Tract	1900

Owner

Source: Winnebago County records · APN 004-1021

Assessment roll updated May 27, 2026 · Last verified August 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 File
Mailing Address	3768 E ELM LN, OSHKOSH, WI 54902-7313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CREDIT UNION
May 06, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY FIRST CU
Jun 25, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 25, 2021 · Amount on Record
Deed Sale	Jun 25, 2021 · Amount on Record
Deed Document Number	20211855494
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO WI
Recording Date	Jul 15, 2026
Property Address	3768 E ELM LN, OSHKOSH, WI 54902-7313
Document Number	0001971230
Instrument Date	Jul 09, 2026
Instrument	20261971230
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3768 E ELM LN, OSHKOSH, WI 54902-7313

Mortgage

Document Number	0001971230,
Date	Jul 15, 2026
Instrument	20261971230

Lender

Name	COMMUNITY FIRST CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Jul 13, 2032

Interest

Rate	6.52%
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO WI
Property Address	3768 E ELM LN, OSHKOSH, WI 54902-7313
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001881873
Date	May 06, 2022
Instrument	1881873

Lender

Name	COMMUNITY FIRST CU
Type	Credit Union
Address	APPLETON, WI 54912

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 05, 2032

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNEBAGO WI
Recording Date	Jun 25, 2021
Property Address	3768 E ELM LN, OSHKOSH, WI 54902-7313
Document Number	0001855494
Instrument Date	Jun 24, 2021
Instrument	1855494
Transaction Type	Transfer
Record Updated	Aug 04, 2023

Transaction

Amount	Amount Recorded
Tax	$1,140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3768 E ELM LN, OSHKOSH, WI 54902-7313

Tax Assessment & Valuation

Source: Winnebago County records · Assessment roll updated May 27, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Winnebago County
County Subdivision	Black Wolf Town
Unified School District	Oshkosh Area School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$433,000 (+53.27%) Land $132,000 Building $301,000
2024	$4,530.00 (-11.11%)
2023	$5,096.00 (+1.98%) Homeowner's exemption	$282,500 (-) Land $96,000 Building $186,500	$410,490 (+11.86%) Land $139,494 Building $270,996
2022	$4,997.00 Homeowner's exemption	$282,500 Land $96,000 Building $186,500	$366,976 Land $124,707 Building $242,269

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 26, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1986–2008)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 94% of Wisconsin
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 94 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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