404 E 8th St S, Ladysmith, WI 54848 Property Records

Rusk County property record for 404 E 8th St S, Ladysmith, WI 54848

Property Summary

Property Type	Single Family Home
Lot Size	0.248 acres (10,803 sqft)
Owner	Individual Name on Record
Last Sale	$86,000 (Nov 2021)
Tax Bill	$1,502 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`246-01908-0001`

Property Details

APN / Parcel Number

Primary APN	`246-01908-0001`

Exterior

Lot Area	10,803 sqft

Location & Zoning

Street Address	404 E 8TH ST S
City	LADYSMITH
State	WI
Zip	54848-1930
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LADYSMITH ASSESSOR PLAT 4 LOT 40 DOCUMENT # 362197
Legal Range	06W
Legal Township	34N
Legal Section	03
Legal Quarter	NE
Quarter-Quarter Section	SE
Legal Subdivision	LADYSMITH AP NO 4
Legal Lot Number	40
Jurisdiction	RUSK WI
Township / Civil Division	LADYSMITH
Census Block Group	3
Census Block	3013
Census Tract	960500

Owner

Source: Rusk County records, as of February 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	404 E 8TH ST S, LADYSMITH, WI 54848-1930
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage LADYSMITH FEDL SAVINGS & LOAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2021 · Amount on Record
Deed Sale	Nov 29, 2021 · Amount on Record
Deed Document Number	362197
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUSK WI
Recording Date	Nov 29, 2021
Property Address	404 E 8TH ST S, LADYSMITH, WI 54848-1930
Document Number	0000362197
Instrument Date	Nov 20, 2021
Instrument	362197
Transaction Type	Transfer
Record Updated	Dec 15, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$258.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000362198
Date	Nov 29, 2021
Instrument	362198

Lender

Name	WATERSTONE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK WI
Property Address	404 E 8TH ST S, LADYSMITH, WI 54848-1930
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	357028
Date	Oct 6, 2020
Instrument	357028

Lender

Name	LADYSMITH FEDL SAVINGS & LOAN
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	216 Months
Due	Nov 1, 2038

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	$1,502.00 (+55.33%)	$51,000 (-) Land $7,700 Building $43,300	$87,200 (+36.89%)
2023	$967.00 Homeowner's exemption	$51,000 Land $7,700 Building $43,300	$63,700

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
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 80% of the US · above 57% 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.

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 345 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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