433 E Larkspur Ln, Onalaska, WI 54650 Property Records

La Crosse County property record for 433 E Larkspur Ln, Onalaska, WI 54650

Property Summary

Property Type	Single Family Home
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Jun 2023)
Tax Bill	$7,524 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`018-004601-000`

Property Details

APN / Parcel Number

Primary APN	`018-004601-000`
Alternative APNs	`18 4601 0` `44751`

Exterior

Lot Area	17,860 sqft (0.41 acres)

Location & Zoning

Street Address	433 E LARKSPUR LN
City	ONALASKA
State	WI
Zip	54650-8305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MZA
Legal Description	ELMWOOD HILLS ADDITION LOT 2
Legal Range	07W
Legal Township	16N
Legal Section	02
Legal Subdivision	ELMWOOD HILLS ADDITION
Legal Lot Number	2
Jurisdiction	LA CROSSE WI
Township / Civil Division	ONALASKA
Census Block Group	4
Census Block	4011
Census Tract	10401

Owner

Source: La Crosse County records, as of March 11, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	433 E LARKSPUR LN, ONALASKA, WI 54650-8305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage ALTRA FCU
Jun 2, 2023	Deed, Transfer · Conventional Mortgage ALTRA FCU
Nov 30, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2023 · Amount on Record
Deed Sale	Jun 2, 2023 · Amount on Record
Deed Document Number	20231808326
Prior Transfer Date	Nov 24, 2021
Prior Transfer Doc	0001785419
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	433 E LARKSPUR LN, ONALASKA, WI 54650-8305
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001840352
Date	Oct 24, 2025
Instrument	1840352

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 1, 2035

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LA CROSSE WI
Recording Date	Jun 2, 2023
Property Address	433 E LARKSPUR LN, ONALASKA, WI 54650-8305
Document Number	0001808326
Instrument Date	May 31, 2023
Instrument	1808326
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	TOWN AND COUNTRY TITLE, TOWN & COUNTRY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,590.00
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	0001808327
Date	Jun 2, 2023
Instrument	1808327

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LA CROSSE WI
Recording Date	Nov 30, 2021
Property Address	433 E LARKSPUR LN, ONALASKA, WI 54650-8305
Document Number	0001785419
Instrument Date	Nov 24, 2021
Instrument	1785419
Transaction Type	Transfer
Record Updated	Dec 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: La Crosse County assessment roll, as of March 11, 2026

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	$7,524.00 (-10.77%) Homeowner's exemption	$563,400 (+12.82%) Land $93,400 Building $470,000	$569,900 (+14.12%)
2023	$8,432.00 Homeowner's exemption	$499,400 Land $72,100 Building $427,300	$499,400 Land $72,100 Building $427,300

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 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
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 80% of the US · above 57% of Wisconsin
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Lynxx Networks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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