Winnebago County property record for 3974 Apple Ln, Oshkosh, WI 54902
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.76 acres (33,106 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (Mar 2016) |
| Tax Bill | $2,903 (2024) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-0233-19 |
| Primary APN | 004-0233-19 |
|---|---|
| Alternative APN |
|
| Lot Area | 33,106 sqft (0.76 acres) |
|---|
| Heating System | HVAC |
|---|
| Account Number | 15555 |
|---|---|
| Street Address | 3974 APPLE LN |
| City | OSHKOSH |
| State | WI |
| Zip | 54902-7364 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | PT FRAC LOT 1 COM 702 FT E & 194.75 FT S & S9DGE 280 FT OF NW COR POB S87DG30E 147.7 FT S8DG30E 57.4 FT N80DGE 11.4 FT S9DGE 145.6 FT N87DG30W 154 FT NLY 200 FT TO POB .76 A. |
| Legal Range | 17E |
| Legal Township | 17N |
| Legal Section | 07 |
| Legal Subdivision | FRACTIONAL |
| Legal Lot Number | 1 |
| Jurisdiction | WINNEBAGO WI |
| Township / Civil Division | BLACK WOLF |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 1900 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3974 APPLE LN, OSHKOSH, WI 54902-7364 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2016 · Amount on Record |
| Deed Sale | Mar 4, 2016 · Amount on Record |
| Prior Sale | Mar 13, 2013 · Amount on Record |
| Deed Document Number | 20161708318 |
| Prior Transfer Date | Mar 6, 2008 |
| Prior Transfer Doc | 0001469650 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Property Address | 3974 APPLE LN, OSHKOSH, WI 54902-7364 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001863775 |
|---|---|
| Date | Sep 23, 2021 |
| Instrument | 1863775 |
| Name | CAPITAL CU |
|---|---|
| Type | Credit Union |
| Address | 64306 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Oct 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.75% |
| Index | 1-Year CMT |
| Max Rate | 7.75% |
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 | $302,000 (+64.4%) Land $43,900 Building $258,100 | ||
| 2024 | $2,903.00 (-10.43%) | ||
| 2023 | $3,241.00 (+1.57%) Homeowner's exemption | $183,700 (-) Land $35,000 Building $148,700 | $266,927 (+11.86%) Land $50,857 Building $216,070 |
| 2022 | $3,191.00 Homeowner's exemption | $183,700 Land $35,000 Building $148,700 | $238,632 Land $45,466 Building $193,166 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% of Wisconsin |
|---|---|
| Wildfire Likelihood | 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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