423 4th Ave N, Onalaska, WI 54650 Property Records

La Crosse County property record for 423 4th Ave N, Onalaska, WI 54650

Property Summary

Property Type	Single Family Home
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Dec 2022)
Tax Bill	$2,537 (2025)
Deeds & Mortgages	Dec 2011 Mortgage Apr 2009 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`018-000270-000`

Property Details

APN / Parcel Number

Primary APN	`018-000270-000`
Alternative APNs	`18 270 0` `40343`

Exterior

Lot Area	9,583 sqft (0.219 acres)

Location & Zoning

Account Number	40343
Old Parcel Number	18 270 0
Street Address	423 4TH AVE N
City	ONALASKA
State	WI
Zip	54650-2530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	G.B. DRESBACHS ADDITION LOT 22 BLOCK 1 & PRT OUTLOTS 43 & 44 AP ONALASKA BEG SELY COR LOT 22 S71DW 134.5FT N18D54MW 93.28 FT
Legal Range	07
Legal Township	16
Legal Section	05
Legal Quarter	SE
Quarter-Quarter Section	SE
Legal Subdivision	G B DRESBACHS ADDITION
Legal Block	1
Legal Lot Number	22
Jurisdiction	LA CROSSE WI
Township / Civil Division	ONALASKA
Census Block Group	3
Census Block	3005
Census Tract	10403

Owner

423 4th Ave N is owned and occupied by an individual who bought it in December 2022.

Source: La Crosse County records, as of February 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	423 4TH AVE N, ONALASKA, WI 54650-2530
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
Dec 27, 2011	Deed of Trust, Mortgage · Conventional Mortgage ALTRA FCU
Apr 28, 2009	Deed of Trust, Mortgage · Conventional Mortgage ALTRA FCU
Sep 24, 2025	Transfer on Death Deed, Transfer
Dec 20, 2022	Warranty Deed, Transfer · Conventional Mortgage ALTRA FCU
Aug 5, 2022	Transfer on Death Deed, Transfer
Jun 9, 2006	Warranty Deed, Transfer · Conventional Mortgage STATE BANK OF LA CROSSE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2022 · Amount on File
Deed Sale	Dec 20, 2022 · Amount on File
Prior Sale	Jun 9, 2006 · Amount on File
Deed Document Number	1803323
Record Updated	Jun 8, 2026

December 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	423 4TH AVE N, ONALASKA, WI 54650-2530
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001587469
Date	Dec 27, 2011
Instrument	1587469

Lender

Name	ALTRA FCU
Type	Credit Union
Address	LA CROSSE, WI 54601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2032

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	423 4TH AVE N, ONALASKA, WI 54650-2530
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001524615
Date	Apr 28, 2009
Instrument	1524615

Lender

Name	ALTRA FCU
Type	Credit Union
Address	LA CROSSE, WI 54601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2039

September 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LA CROSSE WI
Recording Date	Sep 24, 2025
Property Address	423 4TH AVE N, ONALASKA, WI 54650-2530
Document Number	0001839047
Instrument Date	Sep 18, 2025
Instrument	1839047
Transaction Type	Transfer
Record Updated	Oct 22, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Dec 20, 2022
Property Address	423 4TH AVE N, ONALASKA, WI 54650-2530
Document Number	0001803323
Instrument Date	Dec 20, 2022
Instrument	1803323
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001803324
Date	Dec 20, 2022
Instrument	1803324

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2020
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

August 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LA CROSSE WI
Recording Date	Aug 5, 2022
Property Address	423 4TH AVE N, ONALASKA, WI 54650-2530
Document Number	0001797753
Instrument Date	Jul 20, 2022
Instrument	1797753
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Jun 9, 2006
Property Address	423 4TH AVE N, ONALASKA, WI 54650-2530
Document Number	0001451369
Instrument Date	Jun 9, 2006
Instrument	1451369
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 4TH AVE N, ONALASKA, WI 54650-2530

Mortgage

Document Number	0001451370
Date	Jun 9, 2006
Instrument	1451370

Lender

Name	STATE BANK OF LA CROSSE
Address	LA CROSSE, WI 54601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 423 4th Ave N was $2,537 with a homeowner's exemption, down 5.7% from the year before.

Source: La Crosse County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,537.00 (-5.65%) Homeowner's exemption	$203,900 (+17.39%) Land $67,100 Building $136,800	$206,300 (-2.69%)
2024	$2,689.00 (-8.32%) Homeowner's exemption	$173,700 (-) Land $47,900 Building $125,800	$212,000 (+22.05%)
2023	$2,933.00 Homeowner's exemption	$173,700 Land $47,900 Building $125,800	$173,700 Land $47,900 Building $125,800

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

Flood

FEMA maps place 423 4th Ave N in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 3, 2023

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 423 4th Ave N is low, with less than 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 99.1% of the US · lower than 97.9% of Wisconsin
Wildfire Likelihood	Under 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	ONALASKA WATERWORKS serves 18,000 people · EPA ID WI6320327
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 4th Ave N

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