431 4th Ave N, Onalaska, WI 54650 Property Records

La Crosse County property record for 431 4th Ave N, Onalaska, WI 54650

Property Summary

Property Type	Single Family Home
Lot Size	0.412 acres (17,947 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Oct 2025)
Tax Bill	$3,234 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`018-000866-000`

Property Details

APN / Parcel Number

Primary APN	`018-000866-000`
Alternative APNs	`18 866 0` `56315`

Exterior

Lot Area	17,947 sqft (0.412 acres)

Location & Zoning

Account Number	56315
Old Parcel Number	18 866 0
Street Address	431 4TH AVE N
City	ONALASKA
State	WI
Zip	54650-2530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASSESSORS PLAT OF ONALASKA OUTLOT 43 EX BEG SE COR W 120FT N85D50ME 117.3FT S18D 50ME 9FT TO POB & PRT OUTLOT 40 BEG NE COR O
Legal Range	07
Legal Township	16
Legal Section	05
Legal Quarter	NE
Quarter-Quarter Section	SE
Legal Subdivision	ASSESSORS PLAT OF ONALASKA
Jurisdiction	LA CROSSE WI
Township / Civil Division	ONALASKA
Census Block Group	3
Census Block	3005
Census Tract	10403

Owner

431 4th Ave N is owned and occupied by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2025 · Amount on File
Deed Sale	Oct 31, 2025 · Amount on File
Prior Sale	Apr 30, 2025 · Amount on File
Deed Document Number	1840688
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Oct 31, 2025
Property Address	431 4TH AVE N, ONALASKA, WI 54650-2530
Document Number	0001840688
Instrument Date	Oct 30, 2025
Instrument	1840688
Transaction Type	Transfer
Record Updated	Nov 26, 2025
Title Company	UNKNOWN, NEW CASTLE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$855.00
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	0001840689
Date	Oct 31, 2025
Instrument	1840689

Lender

Name	SOCIETY MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 431 4th Ave N was $3,234 with a homeowner's exemption, up 4.5% 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	$3,234.00 (+4.49%) Homeowner's exemption	$254,100 (+28.85%) Land $81,100 Building $173,000	$257,000 (+6.77%)
2024	$3,095.00 (-7.03%) Homeowner's exemption	$197,200 (-) Land $57,900 Building $139,300	$240,700 (+22.06%)
2023	$3,329.00 Homeowner's exemption	$197,200 Land $57,900 Building $139,300	$197,200 Land $57,900 Building $139,300

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

Flood

FEMA maps place 431 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 431 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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