423 20th St S, La Crosse, WI 54601 Property Records

La Crosse County property record for 423 20th St S, La Crosse, WI 54601

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,278 sqft · built 1912
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$129,900 (Sep 2018)
Tax Bill	$3,523 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`017-030245-050`

Property Details

APN / Parcel Number

Primary APN	`017-030245-050`
Alternative APNs	`17 30245 50` `33485`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,278 sqft Living Area
Gross Area	1,950 sqft
1st Floor Area	942 sqft
Basement Area	672 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1975
Architectural Style	Bungalow
Exterior Material	Brick
Foundation Type	No Foundation
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	145 ft deep x 50 ft wide
View / Lot	Highway

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	33485
Street Address	423 20TH ST S
City	LA CROSSE
State	WI
Zip	54601-5064
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MZA
Legal Description	PRT SW-NW FKA SMITH & BACHELDERS ADD (NOW VACATED) LOT 71 BLOCK 3 LOT SZ: 49.5 X 144 4/7
Legal Range	07W
Legal Township	15N
Legal Section	04
Legal Subdivision	SMITH & BATCHELDERS ADDITION
Legal Block	3
Legal Lot Number	71
Jurisdiction	LA CROSSE WI
Township / Civil Division	LA CROSSE
Census Block Group	4
Census Block	4008
Census Tract	700

Owner

Source: La Crosse County records, as of June 4, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	423 20TH ST S, LA CROSSE, WI 54601-5064
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS STATE BANK/LA CROSSE
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS STATE BANK
Sep 17, 2018	Warranty Deed, Transfer · Conventional Mortgage CITIZENS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2018 · Amount on Record
Deed Sale	Sep 17, 2018 · Amount on Record
Prior Sale	Sep 26, 2016 · Amount on Record
Deed Document Number	20181716373
Prior Transfer Date	Oct 22, 2010
Prior Transfer Doc	0001564333
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Recording Date	Jul 23, 2026
Property Address	423 20TH ST S, LA CROSSE, WI 54601-5064
Document Number	0001852115
Instrument Date	Jul 22, 2026
Instrument	20261852115
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3615 EBNER COULEE RD, LA CROSSE, WI 54601-4356

Mortgage

Document Number	0001852115,
Date	Jul 23, 2026
Instrument	20261852115

Lender

Name	CITIZENS STATE BANK/LA CROSSE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.49%
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	423 20TH ST S, LA CROSSE, WI 54601-5064
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1783630
Date	Nov 1, 2021
Instrument	1783630

Lender

Name	CITIZENS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2036

Interest

Rate Type	Fixed Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Sep 17, 2018
Property Address	423 20TH ST S, LA CROSSE, WI 54601-5064
Document Number	0001716373
Instrument Date	Sep 17, 2018
Instrument	1716373
Transaction Type	Transfer
Record Updated	Feb 18, 2022
Title Company	KNIGHT BARRY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$389.70
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	423 20TH ST S, LA CROSSE, WI 54601-5064

Mortgage

Document Number	1716374
Date	Sep 17, 2018
Instrument	1716374

Lender

Name	CITIZENS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2033

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: La Crosse County assessment roll, as of March 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,523.00 (-7.04%) Homeowner's exemption	$207,100 (+12.8%) Land $48,200 Building $158,900	$215,800 (+17.54%)
2023	$3,790.00 Homeowner's exemption	$183,600 Land $46,600 Building $137,000	$183,600 Land $46,600 Building $137,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 3, 2023 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force

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

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	LA CROSSE WATERWORKS serves 53,000 people · EPA ID WI6320309
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	1 ppb (2026) 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 800 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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