431 Spring Lake Rd, Rhinelander, WI 54501 Property Records

Oneida County property record for 431 Spring Lake Rd, Rhinelander, WI 54501

Property Summary

Property Type	Single Family Home
Lot Size	0.813 acres (35,414 sqft)
Owner	2 Individual Names on Record
Last Sale	$399,000 (Aug 2026)
Tax Bill	$6,131 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`RH 9105 0406`

Property Details

APN / Parcel Number

Primary APN	`RH 9105 0406`

Exterior

Lot Area	35,414 sqft (0.813 acres)

Location & Zoning

Street Address	431 SPRING LAKE RD
City	RHINELANDER
State	WI
Zip	54501-3253
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 791005/791004 PT SW NE & SE NE .81CA/-SA SEE SM C2418
Legal Range	09E
Legal Township	36N
Legal Section	05
Jurisdiction	ONEIDA WI
Township / Civil Division	RHINELANDER
Census Block Group	4
Census Block	4005
Census Tract	971400

Owner

Source: Oneida County records, as of September 3, 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	2 Individual Names on Record
Mailing Address	431 SPRING LAKE RD, RHINELANDER, WI 54501-3253
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Deed, Transfer · Conventional Mortgage ASSOCIATED BANK
Feb 22, 2019	Intrafamily Transfer, Transfer
Feb 22, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2026 · Amount on Record
Deed Sale	Aug 25, 2026 · Amount on Record
Deed Document Number	2026874512
Prior Transfer Date	Feb 20, 2019
Prior Transfer Doc	0000791005
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ONEIDA WI
Recording Date	Aug 25, 2026
Property Address	431 SPRING LAKE RD, RHINELANDER, WI 54501-3253
Document Number	0000874512
Instrument Date	Aug 19, 2026
Instrument	2026874512
Transaction Type	Transfer
Record Updated	Sep 3, 2026
Title Company	KNIGHT BARRY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120,897.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 SPRING LAKE RD, RHINELANDER, WI 54501-3253

Mortgage

Document Number	0000874513,
Date	Aug 25, 2026
Instrument	2026874513

Lender

Name	ASSOCIATED BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ONEIDA WI
Recording Date	Feb 22, 2019
Property Address	RHINELANDER, WI 54501
Document Number	0000791004
Instrument Date	Feb 20, 2019
Instrument	791004
Transaction Type	Transfer
Record Updated	May 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ONEIDA WI
Recording Date	Feb 22, 2019
Property Address	RHINELANDER, WI 54501
Document Number	0000791005
Instrument Date	Feb 20, 2019
Instrument	791005
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

Tax Assessment & Valuation

Source: Oneida County assessment roll, as of March 24, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Oneida County
Municipality	Rhinelander City
Unified School District	Rhinelander School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,131.00 (+16.71%)	$222,700 (-) Land $31,500 Building $191,200	$377,669 Land $53,420 Building $324,249
2023	$5,253.00 Homeowner's exemption	$222,700 Land $31,500 Building $191,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 16, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 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	RHINELANDER WATER & WASTEWATER serves 8,234 people · EPA ID WI7440126
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	1 ppb (2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Bug Tussel Wireless, T-Mobile.

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