405 Oak St W, Frederic, WI 54837 Property Records

Polk County property record for 405 Oak St W, Frederic, WI 54837

Property Summary

Property Type	Single Family Home
Lot Size	0.369 acres (16,117 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Jan 2021)
Tax Bill	$2,921 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Jan 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`126-00158-0000`

Property Details

APN / Parcel Number

Primary APN	`126-00158-0000`

Exterior

Lot Area	16,117 sqft (0.369 acres)

Location & Zoning

Street Address	405 OAK ST W
City	FREDERIC
State	WI
Zip	54837
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1, 2, 3, 4 & 5 BLK 6 FIRST ADDITION V606/647
Legal Block	6
Legal Lot Number	1
Jurisdiction	POLK WI
Township / Civil Division	FREDERIC
Census Block Group	1
Census Block	1056
Census Tract	960100

Owner

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
Mailing Address	PO BOX 37, FREDERIC, WI 54837-0037
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jan 14, 2021	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Sep 7, 2017	Transfer on Death Deed, Transfer
Sep 7, 2017	Transfer on Death Deed, Transfer
Sep 7, 2017	Transfer on Death Deed, Transfer
May 4, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2021 · Amount on Record
Deed Sale	Jan 14, 2021 · Amount on Record
Prior Sale	May 4, 2017
Deed Document Number	891703
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK WI
Property Address	405 OAK ST W, FREDERIC, WI 54837
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000853043
Date	Jun 30, 2017
Instrument	853043

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK WI
Recording Date	Jan 14, 2021
Property Address	405 OAK ST W, FREDERIC, WI 54837
Document Number	0000891703
Instrument Date	Jan 11, 2021
Instrument	891703
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000891704
Date	Jan 14, 2021
Instrument	891704

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

Interest

Rate Type	Fixed Rate

September 2017: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	POLK WI
Recording Date	Sep 7, 2017
Property Address	405 OAK ST W, FREDERIC, WI 54837
Document Number	854972
Instrument Date	Sep 1, 2017
Instrument	854972
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2017: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	POLK WI
Recording Date	Sep 7, 2017
Property Address	405 OAK ST W, FREDERIC, WI 54837
Document Number	854972
Instrument Date	Sep 1, 2017
Instrument	854972
Transaction Type	Transfer
Record Updated	Feb 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2017: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	POLK WI
Recording Date	Sep 7, 2017
Property Address	405 OAK ST W, FREDERIC, WI 54837
Document Number	0000854972
Instrument Date	Sep 1, 2017
Instrument	854972
Transaction Type	Transfer
Record Updated	May 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK WI
Recording Date	May 4, 2017
Property Address	405 OAK ST W, FREDERIC, WI 54837
Document Number	0000850941
Instrument Date	May 2, 2017
Instrument	850941
Transaction Type	Transfer
Record Updated	May 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Wisconsin
County	Polk County
Municipality	Frederic Village
Unified School District	Frederic School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,921.00 (-7.24%)	$206,000 (+50.92%) Land $17,000 Building $189,000	$210,000 (-8.1%) Land $17,330 Building $192,670
2023	$3,149.00 (+2.87%)	$136,500 (-) Land $13,500 Building $123,000	$228,500 (+23.25%)
2022	$3,061.00	$136,500 Land $13,500 Building $123,000	$185,400

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 September 16, 2011

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	Indirect within 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	FREDERIC WATERWORKS serves 1,241 people · EPA ID WI6490337
Water Source	Groundwater
Last State Inspection	Dec 2023
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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lakeland Communications Cable · Fiber in parts of the area	500 / 100
Verizon Fixed Wireless	300 / 20
Starwire Technologies Fixed Wireless · Fiber in parts of the area	100 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: Siren Telephone Company.

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