La Crosse County property record for 431 Central Rd, La Crosse, WI 54603
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,479 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-000480-000 |
| Primary APN | 004-000480-000 |
|---|---|
| Alternative APNs |
|
| Lot Area | 8,712 sqft (0.2 acres) |
|---|
| Account Number | 3216 |
|---|---|
| Old Parcel Number | 4 480 0 |
| Street Address | 431 CENTRAL RD |
| City | LA CROSSE |
| State | WI |
| Zip | 54603-1119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECOND ADDITION TO ISLAND PARK ADDITION LOT 13 BLOCK 9 |
| Legal Range | 07 |
| Legal Township | 16 |
| Legal Section | 18 |
| Legal Quarter | SW |
| Quarter-Quarter Section | NW |
| Legal Subdivision | SECOND ADDITION TO ISLAND PARK ADDITION |
| Legal Block | 9 |
| Legal Lot Number | 13 |
| Jurisdiction | LA CROSSE WI |
| Township / Civil Division | CAMPBELL |
| Census Block Group | 2 |
| Census Block | 2060 |
| Census Tract | 10300 |
431 Central Rd is owned and occupied by two individuals who acquired it in September 1993.
Source: La Crosse County records, as of February 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 431 CENTRAL RD, LA CROSSE, WI 54603-1119 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 1993 |
| Deed Sale | Sep 2, 1993 |
| Deed Document Number | 1098912 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LA CROSSE WI |
| Property Address | 431 CENTRAL RD, LA CROSSE, WI 54603-1119 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001788095 |
|---|---|
| Date | Jan 18, 2022 |
| Instrument | 1788095 |
| Name | GUNDERSON CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 25, 2032 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 431 Central Rd was $2,479 with a homeowner's exemption.
Source: La Crosse County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Wisconsin |
| County | La Crosse County |
| County Subdivision | Campbell Town |
| Unified School District | La Crosse School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,479.00 Homeowner's exemption | $217,600 Land $56,300 Building $161,300 | $230,000 |
| 2023 | $2,349.00 Homeowner's exemption | $126,500 Land $29,000 Building $97,500 | $126,500 Land $29,000 Building $97,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 Central Rd in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1986.
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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 16 (1986–2023) |
| Claims Outside the SFHA | 6 of 16 |
| Most Recent Claim | Apr 2023 · river or lake flooding |
| Claims by Event |
|
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 risk around 431 Central Rd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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