Oneida County property record for 421 Spruce St, Woodruff, WI 54568
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $99,500 (Jan 2024) |
| Tax Bill | $1,109 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | WR 13 3 |
| Primary APN | WR 13 3 |
|---|
| Lot Area | 8,712 sqft (0.2 acres) |
|---|
| Street Address | 421 SPRUCE ST |
|---|---|
| City | WOODRUFF |
| State | WI |
| Zip | 54568-9173 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 860709/849293 NE SW .18CA |
| Legal Range | 06E |
| Legal Township | 39N |
| Legal Section | 02 |
| Jurisdiction | ONEIDA WI |
| Township / Civil Division | WOODRUFF |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 970800 |
421 Spruce St is owner-occupied and held in a trust since January 2024.
Source: Oneida County records, as of March 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 421 SPRUCE ST, WOODRUFF, WI 54568-9173 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2024 · Amount on File |
| Deed Sale | Jan 3, 2024 · Amount on File |
| Deed Document Number | 2024849293 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONEIDA WI |
| Recording Date | Jan 3, 2024 |
| Property Address | 421 SPRUCE ST, WOODRUFF, WI 54568-9173 |
| Document Number | 0000849293 |
| Instrument Date | Jan 2, 2024 |
| Instrument | 849293 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 19, 2024 |
| Title Company | ONEIDA TITLE AND ABSTRACT INC, ONEIDA TITLE & ABSTRACT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $298.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000849294 |
|---|---|
| Date | Jan 3, 2024 |
| Instrument | 849294 |
| Name | CROSSBRIDGE COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 421 Spruce St was $1,109 with a homeowner's exemption.
Source: Oneida County assessment roll, as of March 24, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Oneida County |
| County Subdivision | Woodruff Town |
| Secondary School District | Lakeland Union High School District (09 - 12) |
| Elementary School District | Woodruff Joint No. 1 School District (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,109.00 | $120,300 Land $17,800 Building $102,500 | $122,363 Land $18,105 Building $104,258 |
| 2023 | $1,533.00 (+12.72%) Homeowner's exemption | $88,300 (-) Land $10,100 Building $78,200 | |
| 2022 | $1,360.00 Homeowner's exemption | $88,300 Land $10,100 Building $78,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 421 Spruce St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
Source: FEMA National Flood Hazard Layer, effective May 16, 2013 · 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 | 2 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2017 · rainfall accumulation |
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 risk around 421 Spruce St 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | LAKELAND SANITARY DIST 1 serves 2,381 people · EPA ID WI7440116 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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