413 R Stephan Pl, Onalaska, WI 54650 Property Records

La Crosse County property record for 413 R Stephan Pl, Onalaska, WI 54650

Property Summary

Property Type	Single Family Home
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$359,900 (Sep 2020)
Tax Bill	$5,933 (2025)
Deeds & Mortgages	May 2022 Mortgage Sep 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`018-005274-000`

Property Details

APN / Parcel Number

Primary APN	`018-005274-000`
Alternative APNs	`18 5274 0` `49348`

Exterior

Lot Area	10,019 sqft (0.23 acres)

Location & Zoning

Account Number	49348
Old Parcel Number	18 5274 0
Street Address	413 R STEPHAN PL
City	ONALASKA
State	WI
Zip	54650-7027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARMONY ESTATES LOT 7
Legal Range	07
Legal Township	17
Legal Section	32
Legal Quarter	NW
Quarter-Quarter Section	SE
Legal Subdivision	HARMONY ESTATES
Legal Lot Number	7
Jurisdiction	LA CROSSE WI
Township / Civil Division	ONALASKA
Census Block Group	1
Census Block	1026
Census Tract	10404

Owner

413 R Stephan Pl is owned and occupied by an individual who bought it in September 2020.

Source: La Crosse County records, as of February 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	413 R STEPHAN PL, ONALASKA, WI 54650-7027
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage ALTRA FCU
Sep 16, 2020	Transfer on Death Deed, Transfer FIRST AMERICAN TITLE
Sep 16, 2020	Warranty Deed, Transfer · Conventional Mortgage PARK BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2020 · Amount on File
Deed Sale	Sep 16, 2020 · Amount on File
Deed Document Number	1754832
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	413 R STEPHAN PL, ONALASKA, WI 54650-7027
Transaction Type	Mortgage
Record Updated	May 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001793038
Date	May 2, 2022
Instrument	1793038

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

September 2020: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LA CROSSE WI
Recording Date	Sep 16, 2020
Property Address	413 R STEPHAN PL, ONALASKA, WI 54650-7027
Document Number	0001754831
Instrument Date	Sep 16, 2020
Instrument	1754831
Transaction Type	Transfer
Record Updated	Feb 18, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2512 13TH PL S, LA CROSSE, WI 54601-6308

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Sep 16, 2020
Property Address	413 R STEPHAN PL, ONALASKA, WI 54650-7027
Document Number	0001754832
Instrument Date	Sep 16, 2020
Instrument	1754832
Transaction Type	Transfer
Record Updated	Feb 18, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,079.70
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 R STEPHAN PL, ONALASKA, WI 54650-7027

Mortgage

Document Number	0001754833
Date	Sep 16, 2020
Instrument	1754833

Lender

Name	PARK BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 413 R Stephan Pl was $5,933 with a homeowner's exemption.

Source: La Crosse County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,933.00 Homeowner's exemption	$448,700 Land $70,000 Building $378,700	$453,900
2023	$6,198.00 Homeowner's exemption	$367,100 Land $50,000 Building $317,100	$367,100 Land $50,000 Building $317,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 413 R Stephan Pl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 3, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 413 R Stephan Pl is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 83% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ONALASKA WATERWORKS serves 18,000 people · EPA ID WI6320327
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 396 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

Cell Coverage

5G (outdoors only) and 4G LTE

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