Winnebago County property record for 411 W 20th Ave, Oshkosh, WI 54902
| Property Type | Commercial |
|---|---|
| Details | 2,310 sqft · built 1987 |
| Lot Size | 0.462 acres (20,143 sqft) |
| Owner | Company Name on Record |
| Last Sale | $280,000 (May 2022) |
| Tax Bill | $3,132 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage Jul 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-13850000 |
| Primary APN | 14-13850000 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,310 sqft Gross Area |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1988 |
| Lot Area | 20,143 sqft (0.462 acres) |
| Account Number | 914-13850000 |
|---|---|
| Street Address | 411 W 20TH AVE |
| City | OSHKOSH |
| State | WI |
| Zip | 54902-6874 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | HI |
| Legal Description | LOT 1 CSM 1520 DOC #649960 R OF D |
| Legal Subdivision | SUBDIVISION CSM 1520 |
| Legal Lot Number | 1 |
| Jurisdiction | WINNEBAGO WI |
| Township / Civil Division | OSHKOSH |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 1500 |
Source: Winnebago County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 203 BROOKVIEW CT, COMBINED LOCKS, WI 54113-1241 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ADVANTAGE CREDIT UNION |
| Jul 7, 2023 | Deed of Trust, Mortgage · Line of Credit GREENLEAF BANK |
| May 10, 2022 | Warranty Deed, Transfer · Line of Credit COVANTAGE CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 10, 2022 · Amount on Record |
| Deed Sale | May 10, 2022 · Amount on Record |
| Prior Sale | May 15, 2009 · Amount on Record |
| Deed Document Number | 20221882156 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | Apr 21, 2026 |
| Property Address | 411 W 20TH AVE, OSHKOSH, WI 54902-6874 |
| Document Number | 0001965586 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 20261965586 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 203 BROOKVIEW CT, COMBINED LOCKS, WI 54113-1241 |
| Document Number | 0001965586, |
|---|---|
| Date | Apr 21, 2026 |
| Instrument | 20261965586 |
| Name | ADVANTAGE CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Property Address | 411 W 20TH AVE, OSHKOSH, WI 54902-6874 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2023 |
| Name | Verified Name |
|---|---|
| Address | 411 W 20TH AVE, OSHKOSH, WI 54902-6874 |
| Document Number | 0001906399 |
|---|---|
| Date | Jul 7, 2023 |
| Instrument | 1906399 |
| Name | GREENLEAF BANK |
|---|---|
| Type | Bank |
| Address | GREENLEAF, WI 54126 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | May 10, 2022 |
| Property Address | 411 W 20TH AVE, OSHKOSH, WI 54902-6874 |
| Document Number | 0001882156 |
| Map Reference | DOC 649960 |
| Instrument Date | May 6, 2022 |
| Instrument | 1882156 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $840.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 203 BROOKVIEW CT, COMBINED LOCKS, WI 54113-1241 |
| Document Number | 0001882157 |
|---|---|
| Date | May 10, 2022 |
| Instrument | 1882157 |
| Name | COVANTAGE CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Winnebago County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Winnebago County |
| Municipality | Oshkosh City |
| Unified School District | Oshkosh Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $169,400 (-) Land $63,200 Building $106,200 | ||
| 2024 | $3,132.00 (-39.68%) | $169,400 (-4.4%) Land $63,200 Building $106,200 | |
| 2023 | $5,192.00 (+1.13%) | $177,200 (-) Land $60,600 Building $116,600 | $256,058 Land $87,568 Building $168,490 |
| 2022 | $5,134.00 | $177,200 Land $60,600 Building $116,600 |
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 March 26, 2019 · 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 | 3 in force |
| Nearby Flood Claims | 1 (2008) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2008 · Severe Storms, Tornadoes, And 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 | Not rated no burnable land within 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 | OSHKOSH WATERWORKS serves 63,000 people · EPA ID WI4710457 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 6 ppb (2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 308 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Bertram Communications Fixed Wireless | 100 / 20 |
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