Winnebago County property record for 433 Spruce St, Omro, WI 54963
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $205,000 (Jan 2026) |
| Tax Bill | $2,275 (2024) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage May 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 265-0950 |
| Primary APN | 265-0950 |
|---|---|
| Alternative APN |
|
| Lot Area | 11,326 sqft (0.26 acres) |
|---|
| Heating System | HVAC |
|---|
| Account Number | 27310 |
|---|---|
| Street Address | 433 SPRUCE ST |
| City | OMRO |
| State | WI |
| Zip | 54963-1047 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTH SIDE ADD LOT 30 & 31 EXC S 34 FT OF LOT 31 & EXC HWY-D1791755-.04A .26 A. |
| Legal Range | 15E |
| Legal Township | 18N |
| Legal Section | 07 |
| Legal Subdivision | NORTH SIDE ADD |
| Legal Lot Number | 30,31 |
| Jurisdiction | WINNEBAGO WI |
| Township / Civil Division | OMRO |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 2001 |
Source: Winnebago County records, as of August 18, 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 SPRUCE ST, OMRO, WI 54963-1047 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 5, 2026 | Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE CO |
| May 2, 2025 | Warranty Deed, Transfer · Conventional Mortgage BANK FIRST NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2026 · Amount on Record |
| Deed Sale | Jan 5, 2026 · Amount on Record |
| Prior Sale | May 2, 2025 · Amount on Record |
| Deed Document Number | 20261959302 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | Jan 5, 2026 |
| Property Address | 433 SPRUCE ST, OMRO, WI 54963-1047 |
| Document Number | 0001959302 |
| Instrument Date | Jan 2, 2026 |
| Instrument | 1959302 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $615.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 433 SPRUCE ST, OMRO, WI 54963-1047 |
| Document Number | 0001959303 |
|---|---|
| Date | Jan 5, 2026 |
| Instrument | 1959303 |
| Name | TOWNE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Feb 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | May 2, 2025 |
| Property Address | 433 SPRUCE ST, OMRO, WI 54963-1047 |
| Document Number | 0001943952 |
| Map Reference | DOC 1791755 |
| Instrument Date | May 2, 2025 |
| Instrument | 1943952 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $585.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 433 SPRUCE ST, OMRO, WI 54963-1047 |
| Document Number | 0001943953 |
|---|---|
| Date | May 2, 2025 |
| Instrument | 1943953 |
| Name | BANK FIRST NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Document Number | 0001943954 |
|---|---|
| Date | May 2, 2025 |
| Instrument | 1943954 |
| Name | WISCONSIN HOUSING & ECONOMIC DEV AUTH |
|---|---|
| Type | Government Agency |
| Address | MADISON, WI 53703 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2055 |
Source: Winnebago County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Winnebago County |
| Municipality | Omro City |
| Unified School District | Omro School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $154,100 (+65.7%) Land $23,200 Building $130,900 | ||
| 2024 | $2,275.00 (+11.19%) Homeowner's exemption | $93,000 (-) Land $16,900 Building $76,100 | $147,325 (+9.24%) Land $26,772 Building $120,553 |
| 2023 | $2,046.00 (+0.79%) Homeowner's exemption | $93,000 (-) Land $16,900 Building $76,100 | $134,864 (+13.98%) Land $24,508 Building $110,356 |
| 2022 | $2,030.00 Homeowner's exemption | $93,000 Land $16,900 Building $76,100 | $118,326 Land $21,502 Building $96,824 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 24 units insured incl. 12 condo units |
| Nearby Flood Claims | 1 (2019) |
| Most Recent Claim | Mar 2019 · river or lake 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% 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 | OMRO WATERWORKS serves 3,629 people · EPA ID WI4710357 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 2 ppb (2025) 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 154 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Bertram Communications Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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