1. Home
  2. Wisconsin
  3. Winnebago County
  4. Omro
  5. Spruce St

420 Spruce St, Omro, WI 54963 Property Records

Winnebago County property record for 420 Spruce St, Omro, WI 54963

Property Summary

Property TypeSingle Family Home
Lot Size0.208 acres (9,064 sqft)
OwnerIndividual Name on File
Last Sale$306,000 (Apr 2020)
Tax Bill$2,530 (2024)
Deeds & MortgagesJan 2024 Line of Credit
Sep 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN265-0938

Property Details

APN / Parcel Number

Primary APN265-0938
Alternative APN
  • 32011

Exterior

Lot Area9,064 sqft (0.208 acres)

Utilities, Heating & Cooling

Heating SystemHVAC

Location & Zoning

Account Number32011
Street Address422 SPRUCE ST
CityOMRO
StateWI
Zip54963-1048
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNORTH SIDE ADD LOT 20 & PT LOT 19 COM NE COR LOT 20 N 9 FT S89DGW 90.96 FT S84DG30E 91.38 FT TO POB
Legal Range15E
Legal Township18N
Legal Section07
Legal SubdivisionNORTH SIDE ADD
Legal Lot Number20,19
JurisdictionWINNEBAGO WI
Township / Civil DivisionOMRO
Census Block Group1
Census Block1039
Census Tract2001

Owner

Source: Winnebago County records · APN 265-0938

Assessment roll updated May 27, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address422 SPRUCE ST, OMRO, WI 54963-1048
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 30, 2024Deed of Trust, Mortgage · Line of Credit
VERVE A CU
Sep 24, 2021Deed of Trust, Mortgage · FHA Mortgage
ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 01, 2020 · Amount on Record
Deed SaleApr 01, 2020 · Amount on Record
Deed Document Number20201813134
Prior Transfer DateDec 17, 2012
Prior Transfer Doc0001632157
Record UpdatedSep 20, 2026

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWINNEBAGO WI
Property Address420 SPRUCE ST, OMRO, WI 54963-1048
Transaction TypeMortgage
Record UpdatedFeb 16, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001917194
DateJan 30, 2024
Instrument1917194
Lender
NameVERVE A CU
TypeCredit Union
AddressOSHKOSH, WI 54903
Agreement
TypeLine of Credit
AmountAmount Recorded
Term242 Months
DueMar 20, 2044
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWINNEBAGO WI
Property Address420 SPRUCE ST, OMRO, WI 54963-1048
Transaction TypeMortgage
Record UpdatedOct 03, 2023
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001863859
DateSep 24, 2021
Instrument1863859
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051

Tax Assessment & Valuation

Source: Winnebago County records · Assessment roll updated May 27, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateWisconsin
CountyWinnebago County
MunicipalityOmro City
Unified School DistrictOmro School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$176,600 (+72.97%) Land $17,300 Building $159,300
2024$2,530.00 (+11.11%)
2023$2,277.00 (+0.89%) Homeowner's exemption$102,100 (-) Land $12,600 Building $89,500$148,060 (+13.98%) Land $18,272 Building $129,788
2022$2,257.00 Homeowner's exemption$102,100 Land $12,600 Building $89,500$129,904 Land $16,031 Building $113,873

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 26, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 12 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies24 units insured
incl. 12 condo units
Nearby Flood Claims1 (2019)
Most Recent ClaimMar 2019 · river or lake flooding

Wildfire

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.7% of Wisconsin
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Bertram Communications
Fixed Wireless		100 / 20
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 154 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemOMRO WATERWORKS
serves 3,629 people
Water SourceGroundwater
Last State InspectionNov 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

Nearby Properties on Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures