428 21st St S, La Crosse, WI 54601 Property Records

La Crosse County property record for 428 21st St S, La Crosse, WI 54601

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,987 sqft · built 1917
Lot Size	0.161 acres (7,013 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Jul 2021)
Tax Bill	$4,922 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jul 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`017-030242-080`

Property Details

APN / Parcel Number

Primary APN	`017-030242-080`
Alternative APNs	`17 30242 80` `33446`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,987 sqft Living Area
Gross Area	3,091 sqft
1st Floor Area	1,104 sqft
Basement Area	1,104 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1974
Architectural Style	Bungalow
Exterior Material	Shingles
Lot Area	7,013 sqft (0.161 acres)
Lot Dimensions	145 ft deep x 50 ft wide
View / Lot	Highway
Garage Area	240 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	428 21ST ST S
City	LA CROSSE
State	WI
Zip	54601-5028
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 33 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	33
Jurisdiction	LA CROSSE WI
Township / Civil Division	LA CROSSE
Census Block Group	4
Census Block	4008
Census Tract	700

Owner

428 21st St S is owned and occupied by two individuals who bought it in July 2021.

Source: La Crosse County records, as of March 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	428 21ST ST S, LA CROSSE, WI 54601-5028
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

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
Jul 7, 2023	Deed of Trust, Mortgage · Line of Credit ALTRA FCU
Jul 16, 2021	Warranty Deed, Transfer NEW CUSTOM TITLE, NEW CASTLE TITLE
Dec 19, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MTG & EQUITY CONSULT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2021 · Amount on File
Deed Sale	Jul 16, 2021 · Amount on File
Prior Sale	Dec 19, 2018 · Amount on File
Deed Document Number	20211776945
Prior Transfer Date	Apr 26, 2007
Prior Transfer Doc	1474038
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	428 21ST ST S, LA CROSSE, WI 54601-5028
Transaction Type	Mortgage
Record Updated	Jul 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001809612
Date	Jul 7, 2023
Instrument	1809612

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2053

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Jul 16, 2021
Property Address	428 21ST ST S, LA CROSSE, WI 54601-5028
Document Number	1776945
Instrument Date	Jul 15, 2021
Instrument	1776945
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	NEW CUSTOM TITLE, NEW CASTLE TITLE

Transaction

Amount	Amount on Record
Tax	$750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Dec 19, 2018
Property Address	428 21ST ST S, LA CROSSE, WI 54601-5028
Document Number	0001720384
Instrument Date	Dec 18, 2018
Instrument	1720384
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	NEW CASTLE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$657.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001720385
Date	Dec 19, 2018
Instrument	1720385

Lender

Name	AMERICAN MTG & EQUITY CONSULT
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	192 Months
Due	Jan 1, 2034

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 428 21st St S was $4,922 with a homeowner's exemption.

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	$4,922.00 Homeowner's exemption	$283,400 Land $48,200 Building $235,200	$295,400
2023	$5,074.00 Homeowner's exemption	$245,800 Land $46,600 Building $199,200	$245,800 Land $46,600 Building $199,200

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

Flood

FEMA maps place 428 21st St S in Zone X, an area of minimal flood risk.

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

Wildfire risk around 428 21st St S 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.

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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