3909 E O'Brien Rd, Oak Creek, WI 53154 Property Records

Milwaukee County property record for 3909 E O'Brien Rd, Oak Creek, WI 53154

Property Summary

Property Type	Single Family Home
Lot Size	0.849 acres (36,982 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Nov 2022)
Tax Bill	$5,409 (2024)
Deeds & Mortgages	Jun 2025 Line of Credit Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`918-9003-000`

Property Details

APN / Parcel Number

Primary APN	`918-9003-000`
Alternative APN	`109189003000`

Exterior

Lot Area	36,982 sqft (0.849 acres)

Location & Zoning

Account Number	109189003000
Street Address	3909 E OBRIEN RD
City	OAK CREEK
State	WI
Zip	53154-6021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	CERTIFIED SURVEY MAP NO. 150 LOT 2 SE1/4 SEC. 26-5-22
Legal Range	22E
Legal Township	05N
Legal Section	26
Legal Subdivision	CERTIFIED SURV MAP 150
Legal Lot Number	2
Jurisdiction	MILWAUKEE WI
Township / Civil Division	OAK CREEK
Census Block Group	1
Census Block	1015
Census Tract	160301

Owner

3909 E O'Brien Rd is owned and occupied by an individual who bought it in November 2022.

Source: Milwaukee County records, as of September 3, 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	Individual Name on File
Mailing Address	3909 E OBRIEN RD, OAK CREEK, WI 53154-6021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2025	Deed of Trust, Mortgage · Line of Credit LANDMARK CU OF NEW BERLIN
Nov 10, 2022	Warranty Deed, Transfer · ARM BANK FIVE NINE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2022 · Amount on File
Deed Sale	Nov 10, 2022 · Amount on File
Prior Sale	Dec 5, 1997 · Amount on File
Deed Document Number	202211298320
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILWAUKEE WI
Property Address	3909 E OBRIEN RD, OAK CREEK, WI 53154-6021
Transaction Type	Mortgage
Record Updated	Jun 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011515470
Date	Jun 18, 2025
Instrument	11515470

Lender

Name	LANDMARK CU OF NEW BERLIN
Type	Credit Union
Address	BROOKFIELD, WI 53005

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILWAUKEE WI
Recording Date	Nov 10, 2022
Property Address	3909 E OBRIEN RD, OAK CREEK, WI 53154-6021
Document Number	0011298320
Instrument Date	Oct 12, 2022
Instrument	11298320
Transaction Type	Transfer
Record Updated	Nov 16, 2022
Title Company	FRONTIER TITLE AND CLOSING SERVICES, FRONTIER TTL & CLOSING SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$930.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 E OBRLEN ROAD, OAK CREEK, WI 53154-6021

Mortgage

Document Number	0011298321
Date	Nov 10, 2022
Instrument	11298321

Lender

Name	BANK FIVE NINE
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Index	6-Month LIBOR

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		$347,200 (+4.52%) Land $100,800 Building $246,400	$360,700 (+5.9%)
2024	$5,409.00 Homeowner's exemption	$332,200 Land $93,600 Building $238,600	$340,600
2022	$5,547.00 Homeowner's exemption	$299,800 Land $93,600 Building $206,200	$316,400

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

Flood

FEMA maps place 3909 E O'Brien Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3909 E O'Brien Rd 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 95% of the US · lower than 88% 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	OAK CREEK WATERWORKS serves 32,104 people · EPA ID WI2410172
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2019
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. 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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