St. Croix County property record for 422 Union St, River Falls, WI 54022
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.266 acres (11,622 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,759 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit Jan 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 276-1027-60-000 |
| Primary APN | 276-1027-60-000 |
|---|---|
| Alternative APN |
|
| Lot Area | 11,622 sqft (0.266 acres) |
|---|
| Street Address | 422 UNION ST |
|---|---|
| City | RIVER FALLS |
| State | WI |
| Zip | 54022-1545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 WALKER'S MND PK ADDN WARD 1 R F |
| Legal Range | 18W |
| Legal Township | 28N |
| Legal Section | 31 |
| Legal Subdivision | WALKER'S MND PK ADDN |
| Legal Lot Number | 6 |
| Jurisdiction | ST CROIX WI |
| Township / Civil Division | RIVER FALLS |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 120901 |
422 Union St is owned and occupied by two individuals.
Source: St. Croix County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 422 UNION ST, RIVER FALLS, WI 54022-1545 |
| 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.
| Date | Document |
|---|---|
| Aug 26, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jan 22, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Sep 25, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CROIX WI |
| Recording Date | Aug 26, 2026 |
| Property Address | 422 UNION ST, RIVER FALLS, WI 54022-1545 |
| Document Number | 0001212021 |
| Instrument Date | Aug 18, 2026 |
| Instrument | 20261212021 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Document Number | 0001212021, |
|---|---|
| Date | Aug 26, 2026 |
| Instrument | 20261212021 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 14, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CROIX WI |
| Property Address | 422 UNION ST, RIVER FALLS, WI 54022-1545 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 422 UNION ST, RIVER FALLS, WI 54022-1545 |
| Document Number | 0001202835 |
|---|---|
| Date | Jan 22, 2026 |
| Instrument | 1202835 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CAMPBELL, CA 95008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CROIX WI |
| Property Address | 422 UNION ST, RIVER FALLS, WI 54022-1545 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0001198115 |
|---|---|
| Date | Sep 25, 2025 |
| Instrument | 1198115 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 9, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 422 Union St was $4,759 with a homeowner's exemption.
Source: St. Croix County assessment roll, as of February 20, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | St. Croix County |
| Municipality | River Falls City |
| Unified School District | River Falls School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,759.00 Homeowner's exemption | ||
| 2025 | $4,759.00 Homeowner's exemption | $353,500 Land $68,700 Building $284,800 | $353,500 Land $68,700 Building $284,800 |
| 2023 | $4,138.00 Homeowner's exemption | $260,300 Land $52,400 Building $207,900 | $260,300 Land $52,400 Building $207,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 422 Union St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1998.
Source: FEMA National Flood Hazard Layer, effective April 1, 2016 · 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 | 4 in force |
| Nearby Flood Claims | 3 (1998–2020) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Jun 2020 · river or lake flooding |
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 422 Union 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 | None beyond ember reach |
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 | RIVER FALLS WATERWORKS serves 16,000 people · EPA ID WI6480246 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 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 167 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Baldwin Telecom, Verizon.
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