428 Sandmar Dr, Ripon, WI 54971 Property Records

Fond Du Lac County property record for 428 Sandmar Dr, Ripon, WI 54971

Property Summary

Property Type	Single Family Home
Lot Size	0.263 acres (11,456 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Nov 2023)
Tax Bill	$5,313 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Aug 2023 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`RIP-16-14-99-SD-110-00`

Property Details

APN / Parcel Number

Primary APN	`RIP-16-14-99-SD-110-00`

Exterior

Lot Area	11,456 sqft (0.263 acres)

Location & Zoning

Street Address	428 SANDMAR DR
City	RIPON
State	WI
Zip	54971-1869
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S28 T16N R14E SANDMAR VILLAGE LOT 11
Legal Range	14E
Legal Township	16N
Legal Section	28
Legal Subdivision	SANDMAR VILLAGE
Legal Lot Number	11
Jurisdiction	FOND DU LAC WI
Township / Civil Division	RIPON
Census Block Group	3
Census Block	3026
Census Tract	41500

Owner

Source: Fond Du Lac County records, as of March 26, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	428 SANDMAR DR, RIPON, WI 54971-1869
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2023	Warranty Deed, Transfer · Conventional Mortgage HORICON BANK
Aug 16, 2023	Warranty Deed, Transfer · Line of Credit HORICON BANK
Apr 11, 2023	Warranty Deed, Transfer NOT AVAILABLE, GUARANTY CLOSING & TTL SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2023 · Amount on Record
Deed Sale	Nov 10, 2023 · Amount on Record
Prior Sale	Aug 16, 2023 · Amount on Record
Deed Document Number	20231189725
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Nov 10, 2023
Property Address	428 SANDMAR DR, RIPON, WI 54971-1869
Document Number	0001189725
Instrument Date	Nov 10, 2023
Instrument	1189725
Transaction Type	Transfer
Record Updated	Apr 4, 2024
Title Company	NOT AVAILABLE, GUARANTY CLOSING & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 SANDMAR DR, RIPON, WI 54971-1869

Mortgage

Document Number	0001189726
Date	Nov 10, 2023
Instrument	1189726

Lender

Name	HORICON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	7.5%
Max Rate At Change	9.5%
Index	1-Year T-Bill
Max Rate	13.5%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Aug 16, 2023
Property Address	428 SANDMAR DR, RIPON, WI 54971-1869
Document Number	0001186786
Instrument Date	Aug 8, 2023
Instrument	1186786
Transaction Type	Transfer
Record Updated	Apr 4, 2024
Title Company	GUARANTY CLOSING & TTL SVCS

Transaction

Amount	Amount Recorded
Tax	$15.00
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	0001186787
Date	Aug 16, 2023
Instrument	1186787

Lender

Name	HORICON BANK
Type	Bank
Address	HORICON, WI 53032

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Apr 11, 2023
Property Address	428 SANDMAR DR, RIPON, WI 54971-1869
Document Number	0001182112
Instrument Date	Apr 5, 2023
Instrument	1182112
Transaction Type	Transfer
Record Updated	Apr 4, 2024
Title Company	NOT AVAILABLE, GUARANTY CLOSING & TTL SVCS

Transaction

Amount	Amount Recorded
Tax	$75.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 363, RIPON, WI 54971-0363
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Fond Du Lac County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Fond Du Lac County
Municipality	Ripon City
Unified School District	Ripon Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,313.00 (+677.89%)	$225,500 (+651.67%) Land $30,000 Building $195,500	$347,799 (+886.83%) Land $46,270 Building $301,529
2023	$683.00 (+3.96%)	$30,000 (-) Land $30,000	$35,244 (+11.48%) Land $35,244
2022	$657.00	$30,000 Land $30,000	$31,615 Land $31,615

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 19, 2024 · 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	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 98% of the US · lower than 94% 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	RIPON WATER UTILITY serves 7,716 people · EPA ID WI4200476
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 ppb (2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Bertram Communications Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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