402 Summit Ave, Ladysmith, WI 54848 Property Records

Rusk County property record for 402 Summit Ave, Ladysmith, WI 54848

Property Summary

Property Type	Single Family Home
Lot Size	0.978 acres (42,602 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Dec 2019)
Tax Bill	$4,600 (2025)
Deeds & Mortgages	Feb 2024 Transfer Dec 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`246-01251-0000`

Property Details

APN / Parcel Number

Primary APN	`246-01251-0000`

Exterior

Lot Area	42,602 sqft

Location & Zoning

Street Address	402 SUMMIT AVE
City	LADYSMITH
State	WI
Zip	54848-1134
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FLAMBEAU HEIGHTS LOT 2 BLOCK 1 DOCUMENT # 354062
Legal Range	06W
Legal Township	35N
Legal Section	34
Legal Quarter	NW
Quarter-Quarter Section	NE
Legal Subdivision	FLAMBEAU HEIGHTS
Legal Block	1
Legal Lot Number	2
Jurisdiction	RUSK WI
Township / Civil Division	LADYSMITH
Census Block Group	2
Census Block	2002
Census Tract	960500

Owner

Source: Rusk County records, as of February 2, 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	402 SUMMIT AVE, LADYSMITH, WI 54848-1134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Transfer on Death Deed, Transfer
Dec 20, 2021	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage COUNTY OF RUSK CDBG PROGRAM
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage DOUGLAS COUNTY
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITY OF LADYSMITH
Dec 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUSK COUNTY
Dec 30, 2019	Warranty Deed, Transfer · VA Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2019 · Amount on Record
Deed Sale	Dec 30, 2019 · Amount on Record
Prior Sale	Sep 3, 2015 · Amount on Record
Deed Document Number	354062
Record Updated	Jun 8, 2026

February 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	RUSK WI
Recording Date	Feb 27, 2024
Property Address	402 SUMMIT AVE, LADYSMITH, WI 54848-1134
Document Number	0000369816
Map Reference	DOC 354062
Instrument Date	Dec 28, 2023
Instrument	369816
Transaction Type	Transfer
Record Updated	Mar 13, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK WI
Property Address	402 SUMMIT AVE, LADYSMITH, WI 54848-1134
Transaction Type	Mortgage
Record Updated	Jan 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000362480
Date	Dec 20, 2021
Instrument	362480

Lender

Name	CLEARPATH LENDING
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK WI
Property Address	402 SUMMIT AVE, LADYSMITH, WI 54848-1134
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	356810
Date	Sep 21, 2020
Instrument	356810

Lender

Name	COUNTY OF RUSK CDBG PROGRAM
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK WI
Property Address	402 SUMMIT AVE, LADYSMITH, WI 54848-1134
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	358076
Date	Dec 28, 2020
Instrument	358076

Lender

Name	DOUGLAS COUNTY
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK WI
Property Address	402 SUMMIT AVE, LADYSMITH, WI 54848-1134
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	356780
Date	Sep 17, 2020
Instrument	356780

Lender

Name	CITY OF LADYSMITH
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK WI
Property Address	402 SUMMIT AVE, LADYSMITH, WI 54848-1134
Transaction Type	Mortgage
Record Updated	Dec 30, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	357886
Date	Dec 11, 2020
Instrument	357886

Lender

Name	RUSK COUNTY
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUSK WI
Recording Date	Dec 30, 2019
Property Address	402 SUMMIT AVE, LADYSMITH, WI 54848-1134
Document Number	0000354062
Instrument Date	Dec 20, 2019
Instrument	354062
Transaction Type	Transfer
Record Updated	Feb 7, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000354063
Date	Dec 30, 2019
Instrument	354063

Lender

Name	UNION HOME MORTGAGE CORP

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Rusk County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Rusk County
Municipality	Ladysmith City
Unified School District	Ladysmith School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,600.00 (+20.89%) Homeowner's exemption	$158,200 (-) Land $40,400 Building $117,800	$270,300 (+36.86%)
2023	$3,805.00 Homeowner's exemption	$158,200 Land $40,400 Building $117,800	$197,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 1, 2019

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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.

Drinking Water

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

Water System	LADYSMITH WATERWORKS serves 3,184 people · EPA ID WI8550131
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 ppb (2023) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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