433 Dove St, Oshkosh, WI 54902 Property Records

Winnebago County property record for 433 Dove St, Oshkosh, WI 54902

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,000 sqft · built 1964
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Sep 2023)
Tax Bill	$3,595 (2024)
Deeds & Mortgages	Oct 2026 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-10300000`

Property Details

APN / Parcel Number

Primary APN	`16-10300000`
Alternative APN	`916-10300000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Frame
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	672 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	916-10300000
Street Address	433 DOVE ST
City	OSHKOSH
State	WI
Zip	54902-4203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 18 BLK H HIGHLAND ADDN
Legal Subdivision	BLK H HIGHLAND ADDN
Legal Block	H
Legal Lot Number	18
Jurisdiction	WINNEBAGO WI
Township / Civil Division	OSHKOSH
Census Block Group	2
Census Block	2009
Census Tract	1100

Owner

433 Dove St is owned and occupied by two individuals who bought it in September 2023.

Source: Winnebago County records, as of October 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	433 DOVE ST, OSHKOSH, WI 54902-4203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 8, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Sep 15, 2023	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2023 · Amount on File
Deed Sale	Sep 15, 2023 · Amount on File
Prior Sale	Oct 31, 2013 · Amount on File
Deed Document Number	20231910371
Prior Transfer Date	Feb 9, 2018
Prior Transfer Doc	0001760083
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO WI
Recording Date	Oct 8, 2026
Property Address	433 DOVE ST, OSHKOSH, WI 54902-4203
Document Number	0001976756
Instrument Date	Oct 2, 2026
Instrument	20261976756
Transaction Type	Mortgage
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	433 DOVE ST, OSHKOSH, WI 54902-4203

Mortgage

Document Number	0001976756,
Date	Oct 8, 2026
Instrument	20261976756

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	327 Months
Due	Jan 1, 2054

Interest

Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO WI
Recording Date	Sep 15, 2023
Property Address	433 DOVE ST, OSHKOSH, WI 54902-4203
Document Number	0001910371
Instrument Date	Sep 6, 2023
Instrument	1910371
Transaction Type	Transfer
Record Updated	Oct 6, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	433 DOVE ST, OSHKOSH, WI 54902-4203

Mortgage

Document Number	0001910372
Date	Sep 15, 2023
Instrument	1910372

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Winnebago County
Municipality	Oshkosh City
Unified School District	Oshkosh Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$192,000 Land $24,400 Building $167,600
2024	$3,595.00 (+24.87%)
2023	$2,879.00 (+2.93%) Homeowner's exemption	$96,600 (-) Land $19,500 Building $77,100	$139,589 Land $28,178 Building $111,411
2022	$2,797.00 Homeowner's exemption	$96,600 Land $19,500 Building $77,100

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

Flood

FEMA maps place 433 Dove St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1986.

Source: FEMA National Flood Hazard Layer, effective March 26, 2019 · 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	2 in force
Nearby Flood Claims	2 (1986–2008)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding

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

The area around 433 Dove St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	OSHKOSH WATERWORKS serves 63,000 people · EPA ID WI4710457
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	6 ppb (2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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