407 Summit Ave, Ladysmith, WI 54848 Property Records

Rusk County property record for 407 Summit Ave, Ladysmith, WI 54848

Property Summary

Property Type	Single Family Home
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Oct 2025)
Tax Bill	$2,253 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`246-01258-0000`

Property Details

APN / Parcel Number

Primary APN	`246-01258-0000`

Exterior

Lot Area	20,909 sqft (0.48 acres)

Location & Zoning

Street Address	407 SUMMIT AVE
City	LADYSMITH
State	WI
Zip	54848-1133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FLAMBEAU HEIGHTS LOT 9 BLOCK 1 DOCUMENT # 375236
Legal Range	06W
Legal Township	35N
Legal Section	34
Legal Subdivision	FLAMBEAU HEIGHTS
Legal Block	1
Legal Lot Number	9
Jurisdiction	RUSK WI
Township / Civil Division	LADYSMITH
Census Block Group	2
Census Block	2002
Census Tract	960500

Owner

Source: Rusk County records, as of October 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	407 SUMMIT AVE, LADYSMITH, WI 54848-1133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE CU
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE CU
Dec 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2025 · Amount on Record
Deed Sale	Oct 20, 2025 · Amount on Record
Prior Sale	Oct 31, 2014 · Amount on Record
Deed Document Number	2025375236
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUSK WI
Recording Date	Oct 20, 2025
Property Address	407 SUMMIT AVE, LADYSMITH, WI 54848-1133
Document Number	0000375236
Instrument Date	Oct 17, 2025
Instrument	375236
Transaction Type	Transfer
Record Updated	Nov 5, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$795.00
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	0000375237
Date	Oct 20, 2025
Instrument	375237

Lender

Name	ASSOCIATED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK WI
Property Address	407 SUMMIT AVE, LADYSMITH, WI 54848-1133
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	355280
Date	May 20, 2020
Instrument	355280

Lender

Name	HERITAGE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	264 Months
Due	May 28, 2042

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK WI
Property Address	407 SUMMIT AVE, LADYSMITH, WI 54848-1133
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	355266
Date	May 19, 2020
Instrument	355266

Lender

Name	HERITAGE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2030

Interest

Rate Type	Fixed Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK WI
Property Address	407 SUMMIT AVE, LADYSMITH, WI 54848-1133
Transaction Type	Mortgage
Record Updated	Jan 15, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	354028
Date	Dec 27, 2019
Instrument	354028

Lender

Name	HERITAGE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Dec 28, 2041

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Rusk County assessment roll, as of February 3, 2026

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	$2,253.00 (+9%) Homeowner's exemption	$81,900 (-) Land $11,600 Building $70,300	$139,900 (+16.78%)
2024	$2,067.00 (+15.8%) Homeowner's exemption	$81,900 (-) Land $11,600 Building $70,300	$119,800 (+17.11%)
2023	$1,785.00 Homeowner's exemption	$81,900 Land $11,600 Building $70,300	$102,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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.

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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