Winnebago County property record for 3965 Apple Ln, Oshkosh, WI 54902
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,044 (2024) |
| Deeds & Mortgages | Aug 2023 Mortgage Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-0233-17 |
| Primary APN | 004-0233-17 |
|---|---|
| Alternative APN |
|
| Lot Area | 19,602 sqft (0.45 acres) |
|---|
| Heating System | HVAC |
|---|
| Account Number | 15132 |
|---|---|
| Street Address | 3965 APPLE LN |
| City | OSHKOSH |
| State | WI |
| Zip | 54902-7303 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | PT NW NW DESC AS LOT 1 OF CSM-4306 .45 A. |
| Legal Range | 17E |
| Legal Township | 17N |
| Legal Section | 07 |
| Legal Subdivision | BLACK WOLF |
| Legal Lot Number | 1 |
| Jurisdiction | WINNEBAGO WI |
| Township / Civil Division | BLACK WOLF |
| Census Block Group | 2 |
| Census Block | 2094 |
| Census Tract | 1900 |
3965 Apple Ln is owned and occupied by two individuals who acquired it in September 2018.
Source: Winnebago County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3965 APPLE LN, OSHKOSH, WI 54902-7303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 8, 2023 | Deed of Trust, Mortgage · Commercial Mortgage FOX VALLEY SAVINGS BANK |
| Mar 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FOX VALLEY SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 24, 2018 |
| Transfer Doc | 0001777106 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Property Address | 3965 APPLE LN, OSHKOSH, WI 54902-7303 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001908133 |
|---|---|
| Date | Aug 8, 2023 |
| Instrument | 1908133 |
| Name | FOX VALLEY SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | OSHKOSH, WI 54903 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Property Address | 3965 APPLE LN, OSHKOSH, WI 54902-7303 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001844234 |
|---|---|
| Date | Mar 1, 2021 |
| Instrument | 1844234 |
| Name | FOX VALLEY SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | FOND DU LAC, WI 54935 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
Source: Winnebago County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Winnebago County |
| County Subdivision | Black Wolf Town |
| Unified School District | Oshkosh Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $394,400 Land $37,900 Building $356,500 | ||
| 2024 | $4,044.00 (-10.27%) | ||
| 2023 | $4,507.00 (+1.21%) Homeowner's exemption | $229,400 (-) Land $35,000 Building $194,400 | $333,332 (+11.86%) Land $50,857 Building $282,475 |
| 2022 | $4,453.00 Homeowner's exemption | $229,400 Land $35,000 Building $194,400 | $297,997 Land $45,466 Building $252,531 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3965 Apple Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1986.
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 | 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 |
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 risk around 3965 Apple Ln 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 96% of the US · lower than 90% 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.
Source: FCC Broadband Data Collection, based on 87 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Bertram Communications Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
5G (outdoors only) and 4G LTE
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