3871 Cobblestone Ct, Oshkosh, WI 54901 Property Records

Winnebago County property record for 3871 Cobblestone Ct, Oshkosh, WI 54901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,386 sqft · built 2000
Lot Size	0.181 acres (7,863 sqft)
Owner	2 Individual Names on File
Last Sale	$239,900 (Jul 2022)
Tax Bill	$4,506 (2024)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-27780000`

Property Details

APN / Parcel Number

Primary APN	`15-27780000`
Alternative APN	`915-27780000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,386 sqft Living Area
Gross Area	1,172 sqft
1st Floor Area	1,674 sqft
Basement Area	712 sqft
Finished Basement	712 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	7,863 sqft (0.181 acres)
Garage Type	Attached
Garage Area	460 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	915-27780000
Street Address	3871 COBBLESTONE CT
City	OSHKOSH
State	WI
Zip	54901-8120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 35 BLK 5 2ND ADDN TO WINDSOR GREEN
Legal Subdivision	WINDSOR GREEN SUB/2ND ADD
Legal Block	5
Legal Lot Number	35
Jurisdiction	WINNEBAGO WI
Township / Civil Division	OSHKOSH
Census Block Group	1
Census Block	1013
Census Tract	1600

Owner

3871 Cobblestone Ct is owned and occupied by two individuals who bought it in July 2022.

Source: Winnebago County records, as of May 27, 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	2 Individual Names on File
Mailing Address	3871 COBBLESTONE CT, OSHKOSH, WI 54901-8120
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2022 · Amount on File
Deed Sale	Jul 11, 2022 · Amount on File
Prior Sale	May 27, 2015 · Amount on File
Deed Document Number	20221886376
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO WI
Recording Date	Jul 11, 2022
Property Address	3871 COBBLESTONE CT, OSHKOSH, WI 54901-8120
Document Number	0001886376
Instrument Date	Jul 6, 2022
Instrument	1886376
Transaction Type	Transfer
Record Updated	Aug 4, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$719.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3871 COBBLESTONE CT, OSHKOSH, WI 54901-8120

Mortgage

Document Number	0001886377
Date	Jul 11, 2022
Instrument	1886377

Lender

Name	VERVE A CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Aug 1, 2032
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	9.87%

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Winnebago County
Municipality	Oshkosh City
Unified School District	Oshkosh Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$252,400 Land $33,300 Building $219,100
2024	$4,506.00 (+5.85%)
2023	$4,257.00 (+0.21%) Homeowner's exemption	$154,800 (-) Land $23,000 Building $131,800	$223,690 Land $33,236 Building $190,454
2022	$4,248.00 Homeowner's exemption	$154,800 Land $23,000 Building $131,800

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

Flood

FEMA maps place 3871 Cobblestone Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 26, 2019 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 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 3871 Cobblestone Ct 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OSHKOSH WATERWORKS serves 63,000 people · EPA ID WI4710457
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20