414 College Ave E, Ladysmith, WI 54848 Property Records

Rusk County property record for 414 College Ave E, Ladysmith, WI 54848

Property Summary

Property Type	Single Family Home
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (Mar 2019)
Tax Bill	$979 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`246-02020-0000`

Property Details

APN / Parcel Number

Primary APN	`246-02020-0000`

Exterior

Lot Area	10,019 sqft

Location & Zoning

Street Address	414 COLLEGE AVE E
City	LADYSMITH
State	WI
Zip	54848-2303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LADYSMITH ASSESSOR PLAT 4 LOT 152 DOCUMENT # 367844
Legal Range	06W
Legal Township	34N
Legal Section	03
Legal Quarter	SE
Quarter-Quarter Section	NW
Legal Subdivision	LADYSMITH AP NO 4
Legal Lot Number	152
Jurisdiction	RUSK WI
Township / Civil Division	LADYSMITH
Census Block Group	3
Census Block	3019
Census Tract	960500

Owner

414 College Ave E is owned and occupied by an individual who bought it in March 2019.

Source: Rusk County records, as of February 2, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1402 PARKRIDGE DR, LADYSMITH, WI 54848-2818
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
Jul 3, 2023	Deed of Trust, Mortgage · Line of Credit LADYSMITH FEDERAL SAV & LOAN
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage LADYSMITH FEDERAL S & L
Mar 15, 2019	Warranty Deed, Transfer · Conventional Mortgage LADYSMITH FEDERAL S & L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2019 · Amount on File
Deed Sale	Mar 15, 2019 · Amount on File
Prior Sale	Sep 25, 2015
Deed Document Number	251108
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK WI
Property Address	414 COLLEGE AVE E, LADYSMITH, WI 54848-2303
Transaction Type	Mortgage
Record Updated	Jul 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000367770
Date	Jul 3, 2023
Instrument	367770

Lender

Name	LADYSMITH FEDERAL SAV & LOAN
Type	Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK WI
Property Address	414 COLLEGE AVE E, LADYSMITH, WI 54848-2303
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	361847
Date	Nov 1, 2021
Instrument	361847

Lender

Name	LADYSMITH FEDERAL S & L
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUSK WI
Recording Date	Mar 15, 2019
Property Address	414 COLLEGE AVE E, LADYSMITH, WI 54848-2303
Document Number	0000251108
Instrument Date	Mar 15, 2019
Instrument	251108
Transaction Type	Transfer
Record Updated	Feb 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000251109
Date	Mar 15, 2019
Instrument	251109

Lender

Name	LADYSMITH FEDERAL S & L

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 414 College Ave E was $979 with a homeowner's exemption.

Source: Rusk County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Rusk County
Municipality	Ladysmith City
Unified School District	Ladysmith School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$979.00 Homeowner's exemption	$40,500 Land $7,100 Building $33,400	$69,200
2023	$689.00 Homeowner's exemption	$40,500 Land $7,100 Building $33,400	$50,600

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

Flood

FEMA maps place 414 College Ave E in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 1, 2019

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 414 College Ave E is low, with 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 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	LADYSMITH WATERWORKS serves 3,184 people · EPA ID WI8550131
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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