413 20th St S, La Crosse, WI 54601 Property Records

La Crosse County property record for 413 20th St S, La Crosse, WI 54601

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,890 sqft · built 1912
Lot Size	0.244 acres (10,629 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Aug 2026)
Tax Bill	$5,494 (2025)
Deeds & Mortgages	Aug 2026 Sale & Construction Loan May 2022 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`017-030245-030`

Property Details

APN / Parcel Number

Primary APN	`017-030245-030`
Alternative APNs	`17 30245 30` `33483`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,890 sqft Living Area
1st Floor Area	1,163 sqft
Basement Area	784 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1975
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	10,629 sqft (0.244 acres)
Lot Dimensions	145 ft deep x 74 ft wide
View / Lot	Highway
Garage Type	Detached
Garage Area	432 sqft
Porch	Enclosed Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	413 20TH ST S
City	LA CROSSE
State	WI
Zip	54601-5064
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MZA
Legal Description	PRT SW-NW FKA SMITH & BACHELDERS ADD (NOW VACATED) S1/2 LOT 68 & ALL LOT 69 BLOCK 3 LOT SZ: 74.25 X 144 4/7
Legal Range	07W
Legal Township	15N
Legal Section	04
Legal Subdivision	SMITH & BATCHELDERS ADDITION
Legal Block	3
Legal Lot Number	68-69
Jurisdiction	LA CROSSE WI
Township / Civil Division	LA CROSSE
Census Block Group	4
Census Block	4008
Census Tract	700

Owner

Source: La Crosse County records, as of August 27, 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	413 20TH ST S, LA CROSSE, WI 54601-5064
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Warranty Deed, Construction Loan · Construction Mortgage ALTRA FEDERAL CREDIT UNION
May 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL EXCHANGE BANK & TRUST
Dec 29, 2023	Warranty Deed, Transfer · Conventional Mortgage COULEE BANK
Oct 30, 2023	Intrafamily Transfer, Transfer
Nov 27, 2023	Correction Deed
Oct 30, 2023	Intrafamily Transfer, Transfer
Apr 14, 2020	Warranty Deed, Transfer
Mar 17, 2020	Quit Claim Deed, Transfer Quitclaim
Mar 17, 2020	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2026 · Amount on Record
Deed Sale	Aug 14, 2026 · Amount on Record
Prior Sale	Dec 29, 2023 · Amount on Record
Deed Document Number	20261853211
Prior Transfer Date	Oct 27, 2023
Prior Transfer Doc	0001813947
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Aug 14, 2026
Property Address	413 20TH ST S, LA CROSSE, WI 54601-5064
Document Number	0001853211
Instrument Date	Aug 14, 2026
Instrument	20261853211
Transaction Type	Construction Loan
Record Updated	Aug 27, 2026
Title Company	POINT TITLE, BRIDGE POINT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$101,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 20TH ST S, LA CROSSE, WI 54601-5064

Mortgage

Document Number	0001853212,
Date	Aug 14, 2026
Instrument	20261853212

Lender

Name	ALTRA FEDERAL CREDIT UNION

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	413 20TH ST S, LA CROSSE, WI 54601-5064
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001794280
Date	May 27, 2022
Instrument	1794280

Lender

Name	NATIONAL EXCHANGE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Dec 29, 2023
Property Address	413 20TH ST S, LA CROSSE, WI 54601-5064
Document Number	0001815975
Instrument Date	Dec 29, 2023
Instrument	1815975
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	UNKNOWN, NEW CASTLE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$824.70
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	0001815976
Date	Dec 29, 2023
Instrument	1815976

Lender

Name	COULEE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LA CROSSE WI
Recording Date	Oct 30, 2023
Property Address	413 20TH ST S, LA CROSSE, WI 54601-5064
Document Number	0001813947
Instrument Date	Oct 26, 2023
Instrument	1813947
Transaction Type	Transfer
Record Updated	Nov 15, 2023

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

November 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	LA CROSSE WI
Recording Date	Nov 27, 2023
Property Address	413 20TH ST S, LA CROSSE, WI 54601-5064
Document Number	0001814811
Instrument Date	Oct 26, 2023
Instrument	1814811
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LA CROSSE WI
Recording Date	Oct 30, 2023
Property Address	413 20TH ST S, LA CROSSE, WI 54601-5064
Document Number	0001813947
Instrument Date	Oct 26, 2023
Instrument	1813947
Transaction Type	Transfer
Record Updated	Jan 19, 2026

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

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Apr 14, 2020
Property Address	413 20TH ST S, LA CROSSE, WI 54601-5064
Document Number	0001743815
Instrument Date	Apr 7, 2020
Instrument	1743815
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount Recorded
Tax	$396.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LA CROSSE WI
Recording Date	Mar 17, 2020
Property Address	413 20TH ST S, LA CROSSE, WI 54601-5064
Document Number	0001742447
Instrument Date	Oct 11, 2019
Instrument	1742447
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount Recorded
Tax	$190.20
Amount Accuracy	Calculated from Transfer Tax
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2020: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	LA CROSSE WI
Recording Date	Mar 17, 2020
Property Address	413 20TH ST S, LA CROSSE, WI 54601-5064
Document Number	0001742446
Instrument Date	Oct 8, 2019
Instrument	1742446
Transaction Type	Transfer
Record Updated	Jan 19, 2026

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
Relationship	Tenants in Common

Tax Assessment & Valuation

Source: La Crosse County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	La Crosse County
Municipality	La Crosse City
Unified School District	La Crosse School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,494.00 (+7.54%) Homeowner's exemption	$314,600 (+23.08%) Land $65,600 Building $249,000	$327,900 (+6.77%)
2024	$5,109.00 (+7.51%) Homeowner's exemption	$255,600 (+11.03%) Land $63,500 Building $192,100	$307,100 (+33.41%)
2023	$4,752.00 Homeowner's exemption	$230,200 Land $63,500 Building $166,700	$230,200 Land $63,500 Building $166,700

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 February 3, 2023 · 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
Community Rating System	Class 10 (0% premium discount)
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.

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	None beyond 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	LA CROSSE WATERWORKS serves 53,000 people · EPA ID WI6320309
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	1 ppb (2026) 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 800 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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