433 Houston St, Ripon, WI 54971 Property Records

Fond Du Lac County property record for 433 Houston St, Ripon, WI 54971

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,218 sqft · built 1900
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$138,000 (Sep 2023)
Tax Bill	$2,113 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`RIP-16-14-99-BR-520-00`

Property Details

APN / Parcel Number

Primary APN	`RIP-16-14-99-BR-520-00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,218 sqft Living Area
1st Floor Area	696 sqft
2nd Floor Area	522 sqft
Basement Area	696 sqft
Game Room	Game Room

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	11.1 ft deep x 9.4 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	433 HOUSTON ST
City	RIPON
State	WI
Zip	54971-1542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	8
Legal Description	S21 T16N R14E BROWNES ADDITION PT OF LOTS 51 & 52 & PT OF LOT 27 NEWTON'S RESURVEY OF W 1/2 SE 1/4 THE W 139.5' AS CONVEYED
Legal Range	14E
Legal Township	16N
Legal Section	21
Legal Subdivision	NEWTONS RESURVEY
Legal Lot Number	27
Jurisdiction	FOND DU LAC WI
Township / Civil Division	RIPON
Census Block Group	2
Census Block	2028
Census Tract	41500

Owner

Source: Fond Du Lac County records, as of March 26, 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	Individual Name on Record
Mailing Address	320 E SEWARD ST, RIPON, WI 54971-1564
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Warranty Deed, Transfer · Commercial Mortgage HORICON BANK
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CU
May 26, 2021	Deed of Trust, Mortgage · Line of Credit WEST POINTE BANK
Sep 17, 2020	Deed of Trust, Mortgage · Line of Credit WEST POINT BANK
Jul 23, 2020	Warranty Deed, Transfer · Conventional Mortgage SUMMIT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2023 · Amount on Record
Deed Sale	Sep 6, 2023 · Amount on Record
Prior Sale	Jul 23, 2020 · Amount on Record
Deed Document Number	20231187470
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Sep 6, 2023
Property Address	433 HOUSTON ST, RIPON, WI 54971-1542
Document Number	0001187470
Instrument Date	Sep 1, 2023
Instrument	1187470
Transaction Type	Transfer
Record Updated	Oct 23, 2023
Title Company	NOT AVAILABLE, GUARANTY CLOSING & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$414.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 HOUSTON ST, RIPON, WI 54971-1542

Mortgage

Document Number	0001187471
Date	Sep 6, 2023
Instrument	1187471

Lender

Name	HORICON BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	433 HOUSTON ST, RIPON, WI 54971-1542
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1153832
Date	Jun 30, 2021
Instrument	1153832

Lender

Name	SUMMIT CU
Type	Credit Union
Address	COTTAGE GROVE, WI 53527

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	433 HOUSTON ST, RIPON, WI 54971-1542
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 N DOUGLAS ST, RIPON, WI 54971-2000

Mortgage

Document Number	1151770
Date	May 26, 2021
Instrument	1151770

Lender

Name	WEST POINTE BANK
Type	Bank
Address	OSHKOSH, WI 54903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	28 Months
Due	Sep 15, 2023

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	433 HOUSTON ST, RIPON, WI 54971-1542
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 N DOUGLAS ST, RIPON, WI 54971-2000

Mortgage

Document Number	1136933
Date	Sep 17, 2020
Instrument	1136933

Lender

Name	WEST POINT BANK
Type	Bank
Address	OSHKOSH, WI 54903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Sep 15, 2023

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Jul 23, 2020
Property Address	433 HOUSTON ST, RIPON, WI 54971-1542
Document Number	0001133757
Instrument Date	Jul 22, 2020
Instrument	1133757
Transaction Type	Transfer
Record Updated	Feb 14, 2022
Title Company	WARRANTY TITLE SERVICES INC, GUARANTY TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 N DOUGLAS ST, RIPON, WI 54971-2000

Mortgage

Document Number	0001133758
Date	Jul 23, 2020
Instrument	1133758

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

Source: Fond Du Lac County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Fond Du Lac County
Municipality	Ripon City
Unified School District	Ripon Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,113.00 (+29.24%)	$88,300 (+17.89%) Land $20,500 Building $67,800	$136,189 (+54.77%) Land $31,618 Building $104,571
2023	$1,635.00 (+4.01%)	$74,900 (-) Land $20,500 Building $54,400	$87,994 (+11.48%) Land $24,084 Building $63,910
2022	$1,572.00	$74,900 Land $20,500 Building $54,400	$78,931 Land $21,603 Building $57,328

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 December 19, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 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	RIPON WATER UTILITY serves 7,716 people · EPA ID WI4200476
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 ppb (2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Bertram Communications Fixed Wireless	100 / 20

May also be available: Brightspeed, Bug Tussel Wireless, Verizon.

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