409 Spring St, Somerset, WI 54025 Property Records

St. Croix County property record for 409 Spring St, Somerset, WI 54025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 446 sqft · built 1900
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Aug 2021)
Tax Bill	$3,085 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`181-1015-10-000`

Property Details

APN / Parcel Number

Primary APN	`181-1015-10-000`
Alternative APN	`35.31.19.69N`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	446 sqft Total Area
1st Floor Area	446 sqft
Basement Area	594 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
View / Lot	High Traffic Area
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	409 SPRING ST
City	SOMERSET
State	WI
Zip	54025-9005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 35 T31N R19W PRT OL 69 COM SWLY LN SPRING ST 66' NWLY N COR OL 60, NWLY ON SPRING ST 66FT SWLY= TO NWLY LN OL 60, 198'
Legal Range	19W
Legal Township	31N
Legal Section	35
Jurisdiction	ST CROIX WI
Township / Civil Division	SOMERSET
Census Block Group	1
Census Block	1028
Census Tract	120401

Owner

Source: St. Croix County records, as of October 21, 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	409 SPRING ST, SOMERSET, WI 54025-9005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Warranty Deed, Transfer · Conventional Mortgage TRADITION MORTGAGE LLC
Oct 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage JOHNSON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2021 · Amount on Record
Deed Sale	Aug 10, 2021 · Amount on Record
Deed Document Number	20211136620
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Aug 10, 2021
Property Address	409 SPRING ST, SOMERSET, WI 54025-9005
Document Number	0001136620
Instrument Date	Jul 27, 2021
Instrument	1136620
Transaction Type	Transfer
Record Updated	Feb 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$735.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	409 SPRING ST, SOMERSET, WI 54025-9005

Mortgage

Document Number	0001136621
Date	Aug 10, 2021
Instrument	1136621

Lender

Name	TRADITION MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	409 SPRING ST, SOMERSET, WI 54025-9005
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001073238
Date	Oct 24, 2018
Instrument	1073238

Lender

Name	JOHNSON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: St. Croix County assessment roll, as of February 20, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	St. Croix County
Municipality	Somerset Village
Unified School District	Somerset School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,085.00 Homeowner's exemption
2025	$3,085.00 (+5.51%) Homeowner's exemption	$177,000 (-) Land $30,500 Building $146,500	$177,000 (-) Land $30,500 Building $146,500
2023	$2,924.00 Homeowner's exemption	$177,000 Land $30,500 Building $146,500	$177,000 Land $30,500 Building $146,500

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 April 1, 2016 · 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	2 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Apr 2023 · 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.

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
Adjoins Burnable Land	Yes

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	SOMERSET WATERWORKS serves 3,334 people · EPA ID WI6560137
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	6 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Northwest Communications Fiber	5,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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