Monroe County property record for 409 E Franklin St, Sparta, WI 54656
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.178 acres (7,754 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,058 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 281-00978-0000 |
| Primary APN | 281-00978-0000 |
|---|---|
| Alternative APN |
|
| Lot Area | 7,754 sqft (0.178 acres) |
|---|
| Street Address | 409 E FRANKLIN ST |
|---|---|
| City | SPARTA |
| State | WI |
| Zip | 54656-1918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 45' OF LOT 3, BLK 3 OF CASSELMAN'S 4TH ADD & W 2' OF LOT 1, BLK 6, CONDIT & TYLER'S ADD |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE WI |
| Township / Civil Division | SPARTA |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 950400 |
Source: Monroe County records, as of February 6, 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 | 409 E FRANKLIN ST, SPARTA, WI 54656-1918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2025 | Deed of Trust, Mortgage · Conventional Mortgage RIVER BANK |
| Dec 22, 2025 | Deed of Trust, Mortgage · Conventional Mortgage RIVER BANK |
| Nov 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2012 |
| Deed Sale | Oct 2, 2012 |
| Deed Document Number | 627450 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE WI |
| Property Address | 409 E FRANKLIN ST, SPARTA, WI 54656-1918 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000731591 |
|---|---|
| Date | Dec 22, 2025 |
| Instrument | 731591 |
| Name | RIVER BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE WI |
| Property Address | 409 E FRANKLIN ST, SPARTA, WI 54656-1918 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000731590 |
|---|---|
| Date | Dec 22, 2025 |
| Instrument | 731590 |
| Name | RIVER BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE WI |
| Property Address | 409 E FRANKLIN ST, SPARTA, WI 54656-1918 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 704279 |
|---|---|
| Date | Nov 12, 2021 |
| Instrument | 704279 |
| Name | CARDINAL FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|
Source: Monroe County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Monroe County |
| Municipality | Sparta City |
| Unified School District | Sparta Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,058.00 (+26.05%) Homeowner's exemption | $207,700 (+22.25%) Land $14,000 Building $193,700 | $207,500 (+24.1%) |
| 2023 | $2,426.00 Homeowner's exemption | $169,900 Land $10,100 Building $159,800 | $167,200 |
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 December 15, 2021 · 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 Policies | 1 in force |
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 99.1% of the US · lower than 97.9% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPARTA WATERWORKS serves 10,025 people · EPA ID WI6420297 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 1 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 489 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 8,000 / 8,000 |
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Lynxx Networks.
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