434 E Center St, Readstown, WI 54652 Property Records

Vernon County property record for 434 E Center St, Readstown, WI 54652

Property Summary

Property Type	Single Family Home
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on Record
Tax Bill	$2,328 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`176-00321-0000`

Property Details

APN / Parcel Number

Primary APN	`176-00321-0000`
Alternative APN	`62176VRD 321`

Exterior

Lot Area	22,216 sqft (0.51 acres)

Location & Zoning

Street Address	434 E CENTER ST
City	READSTOWN
State	WI
Zip	54652-7052
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	READSTOWN HEIGHTS LOT 4
Legal Subdivision	READSTOWN HEIGHTS
Legal Lot Number	4
Jurisdiction	VERNON WI
Township / Civil Division	READSTOWN
Census Block Group	2
Census Block	2046
Census Tract	960500

Owner

Source: Vernon County records, as of February 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	434 E CENTER ST, READSTOWN, WI 54652-7052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2017	Deed of Trust, Mortgage · ARM ALTRA FCU
Dec 18, 2019	Quit Claim Deed, Transfer · Conventional Mortgage ALTRA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Oct 3, 2007 · Amount on Record
Last Transfer Date	Dec 18, 2019
Transfer Doc	0000511195
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VERNON WI
Property Address	434 E CENTER ST, READSTOWN, WI 54652-7052
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	499006
Date	Aug 11, 2017
Instrument	499006

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Aug 1, 2024
Min Rate At Change	2.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	VERNON WI
Recording Date	Dec 18, 2019
Property Address	434 E CENTER ST, READSTOWN, WI 54652-7052
Document Number	0000511195
Instrument Date	Dec 2, 2019
Instrument	511195
Transaction Type	Transfer
Record Updated	Mar 14, 2022

Transaction

Amount	Amount Recorded
Tax	$248.10
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 E CENTER ST, READSTOWN, WI 54652-7052

Mortgage

Document Number	0000511196
Date	Dec 18, 2019
Instrument	511196

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jan 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.37%
Index	1-Year CMT
Max Rate	10.3%

Tax Assessment & Valuation

Source: Vernon County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Vernon County
Municipality	Readstown Village
Unified School District	Kickapoo Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,328.00 (+70.8%) Homeowner's exemption	$144,800 (+65.68%) Land $14,300 Building $130,500	$166,900 (+36.24%)
2023	$1,363.00 Homeowner's exemption	$87,400 Land $9,200 Building $78,200	$122,500

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 November 11, 2025 · 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	3 in force
Nearby Flood Claims	21 (2007–2020)
Claims Outside the SFHA	13 of 21
Most Recent Claim	Apr 2020 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, Flooding, And Landslides, Aug 2018 · 7 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 claims Severe Storms And Flooding, Aug 2007 · 2 claims

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	READSTOWN WATERWORKS serves 395 people · EPA ID WI6630261
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Jan 2023
Monitoring and Reporting	27 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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vernon Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50

May also be available: T-Mobile.

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