Polk County property record for 404 S Main St, Luck, WI 54853
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $155,000 (Oct 2021) |
| Tax Bill | $3,133 (2025) |
| Deeds & Mortgages | Nov 2018 Mortgage Oct 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146-00184-0000 |
| Primary APN | 146-00184-0000 |
|---|
| Lot Area | 8,712 sqft (0.2 acres) |
|---|
| Street Address | 404 S MAIN ST |
|---|---|
| City | LUCK |
| State | WI |
| Zip | 54853-9065 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT LOT 1 BLK 16 THIRD ADDITION TO LAWSON CITY DESC AS COMM AT THE NW COR OF SD LOT 1, TH S 113' TO POB; TH CONT SLY 64', E TO |
| Legal Block | 16 |
| Legal Lot Number | 1 |
| Jurisdiction | POLK WI |
| Township / Civil Division | LUCK |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 960200 |
Source: Polk County records, as of February 18, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 404 S MAIN ST, LUCK, WI 54853-9065 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 20, 2018 | Deed of Trust, Mortgage · Conventional Mortgage SHELL LAKE STATE BANK |
| Oct 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage BELL BANK |
| Aug 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2021 · Amount on Record |
| Deed Sale | Oct 12, 2021 · Amount on Record |
| Prior Sale | Aug 12, 2019 · Amount on Record |
| Deed Document Number | 902089 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK WI |
| Property Address | 404 S MAIN ST, LUCK, WI 54853-9065 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000867711 |
|---|---|
| Date | Nov 20, 2018 |
| Instrument | 867711 |
| Name | SHELL LAKE STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK WI |
| Recording Date | Oct 12, 2021 |
| Property Address | 404 S MAIN ST, LUCK, WI 54853-9065 |
| Document Number | 0000902089 |
| Instrument Date | Sep 30, 2021 |
| Instrument | 902089 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | NORTHWEST LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $465.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000902090 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 902090 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK WI |
| Recording Date | Aug 12, 2019 |
| Property Address | 404 S MAIN ST, LUCK, WI 54853-9065 |
| Document Number | 0000874315 |
| Instrument Date | Aug 7, 2019 |
| Instrument | 874315 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2022 |
| Title Company | KNIGHT BARRY TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $336.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000874316 |
|---|---|
| Date | Aug 12, 2019 |
| Instrument | 874316 |
| Name | STEARNS LENDING INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Polk County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Polk County |
| Municipality | Luck Village |
| Unified School District | Luck School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,133.00 (+73.57%) Homeowner's exemption | $205,500 (+150.61%) Land $14,500 Building $191,000 | $210,800 (+50.25%) Land $14,874 Building $195,926 |
| 2023 | $1,805.00 (+4.27%) Homeowner's exemption | $82,000 (-) Land $10,500 Building $71,500 | $140,300 (+17.6%) |
| 2022 | $1,731.00 Homeowner's exemption | $82,000 Land $10,500 Building $71,500 | $119,300 |
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 September 16, 2011 · 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 Claims | 1 (1986) |
| Most Recent Claim | Jul 1986 · river or lake 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 80% of the US · above 57% of Wisconsin |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LUCK WATERWORKS serves 1,150 people · EPA ID WI6490338 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 252 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lakeland Communications Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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