426 Union Ave, Oshkosh, WI 54901 Property Records

Winnebago County property record for 426 Union Ave, Oshkosh, WI 54901

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,508 sqft · built 1924
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on File
Last Sale	$212,500 (Feb 2026)
Tax Bill	$3,421 (2024)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-02200000`

Property Details

APN / Parcel Number

Primary APN	`07-02200000`
Alternative APN	`907-02200000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,508 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	264 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	907-02200000
Street Address	426 UNION AVE
City	OSHKOSH
State	WI
Zip	54901-4308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 38 G F WRIGHTS SUBD OF S PART OF BLK 46
Legal Subdivision	G F WRIGHTS SUBD
Legal Block	46
Legal Lot Number	38
Jurisdiction	WINNEBAGO WI
Township / Civil Division	OSHKOSH
Census Block Group	1
Census Block	1007
Census Tract	501

Owner

426 Union Ave is owned and occupied by an individual who bought it in February 2026.

Source: Winnebago County records, as of May 27, 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	Individual Name on File
Mailing Address	426 UNION AVE, OSHKOSH, WI 54901-4308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Warranty Deed, Transfer · Conventional Mortgage NATIONAL EXCHANGE BANK & TRUST
Apr 2, 2018	Deed of Trust, Mortgage CHOICE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2026 · Amount on File
Deed Sale	Feb 27, 2026 · Amount on File
Prior Sale	Jun 20, 2012 · Amount on File
Deed Document Number	20261962402
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO WI
Recording Date	Feb 27, 2026
Property Address	426 UNION AVE, OSHKOSH, WI 54901-4308
Document Number	0001962402
Instrument Date	Feb 20, 2026
Instrument	1962402
Transaction Type	Transfer
Record Updated	Mar 17, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$637.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 UNION AVE, OSHKOSH, WI 54901-4308

Mortgage

Document Number	0001962403
Date	Feb 27, 2026
Instrument	1962403

Lender

Name	NATIONAL EXCHANGE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Apr 27, 2031
Change Frequency	Annually
Min Rate At Change	6.12%
Max Rate At Change	8.12%
Index	1-Year T-Bill
Max Rate	12.1%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO WI
Property Address	426 UNION AVE, OSHKOSH, WI 54901-4308
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001763038
Date	Apr 2, 2018
Instrument	1763038

Lender

Name	CHOICE BANK
Type	Bank
Address	OSHKOSH, WI 54904

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Winnebago County
Municipality	Oshkosh City
Unified School District	Oshkosh Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$182,800 (-) Land $28,900 Building $153,900
2024	$3,421.00 (+2.33%)	$182,800 (+60.49%) Land $28,900 Building $153,900	$190,728 (+15.88%) Land $30,153 Building $160,575
2023	$3,343.00 (+1.12%)	$113,900 (-) Land $19,300 Building $94,600	$164,588 Land $27,889 Building $136,699
2022	$3,306.00	$113,900 Land $19,300 Building $94,600

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

Flood

FEMA maps place 426 Union Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 26, 2019

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

The area around 426 Union Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	OSHKOSH WATERWORKS serves 63,000 people · EPA ID WI4710457
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	6 ppb (2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 294 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Bertram Communications Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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