434 Spring Lake Rd, Rhinelander, WI 54501 Property Records

Oneida County property record for 434 Spring Lake Rd, Rhinelander, WI 54501

Property Summary

Property Type	Single Family Home
Lot Size	1.68 acres (73,573 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Nov 2019)
Tax Bill	$7,042 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`RH 9105 0309`

Property Details

APN / Parcel Number

Primary APN	`RH 9105 0309`

Exterior

Lot Area	73,573 sqft (1.68 acres)

Location & Zoning

Street Address	434 SPRING LAKE RD
City	RHINELANDER
State	WI
Zip	54501-3252
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 799359/762820 PT SW NE & NW NE SM C9721.68CA/-SA
Legal Range	09E
Legal Township	36N
Legal Section	05
Jurisdiction	ONEIDA WI
Township / Civil Division	RHINELANDER
Census Block Group	4
Census Block	4007
Census Tract	971400

Owner

Source: Oneida County records, as of March 24, 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	434 SPRING LAKE RD, RHINELANDER, WI 54501-3252
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2020	Deed of Trust, Mortgage · Line of Credit PEOPLES STATE BANK
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES STATE BANK
Nov 1, 2019	Warranty Deed, Transfer · Conventional Mortgage PEOPLES STATE BANK
Nov 1, 2019	Warranty Deed, Transfer NORTHWOODS TITLE AND CLOSING SERVICES, NORTHWOODS TTL & CLOSING SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2019 · Amount on Record
Deed Sale	Nov 1, 2019 · Amount on Record
Prior Sale	Jun 27, 2016 · Amount on Record
Deed Document Number	2019799359
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA WI
Property Address	RHINELANDER, WI 54501
Transaction Type	Mortgage
Record Updated	May 1, 2023
Title Company	NORTHWOODS TITLE AND CLOSING, NORTHWOODS TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000812862
Date	Nov 6, 2020
Instrument	812862

Lender

Name	PEOPLES STATE BANK
Type	Bank
Address	WAUSAU, WI 54402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Nov 3, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA WI
Property Address	RHINELANDER, WI 54501
Transaction Type	Mortgage
Record Updated	May 1, 2023
Title Company	NORTHWOODS TITLE AND CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000812861
Date	Nov 6, 2020
Instrument	812861

Lender

Name	PEOPLES STATE BANK
Type	Bank
Address	WAUSAU, WI 54402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2040

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA WI
Recording Date	Nov 1, 2019
Property Address	RHINELANDER, WI 54501
Document Number	0000799359
Instrument Date	Oct 25, 2019
Instrument	799359
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	NORTHWOODS TTL & CLOSING SVC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$795.00
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	799360
Date	Nov 1, 2019
Instrument	799360

Lender

Name	PEOPLES STATE BANK
Type	Bank
Address	WAUSAU, WI 54402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Aug 1, 2020

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA WI
Recording Date	Nov 1, 2019
Property Address	RHINELANDER, WI 54501
Document Number	0000799359
Instrument Date	Oct 25, 2019
Instrument	799359
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	NORTHWOODS TITLE AND CLOSING SERVICES, NORTHWOODS TTL & CLOSING SVC

Transaction

Amount	Amount Recorded
Tax	$795.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Oneida County assessment roll, as of March 24, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Oneida County
Municipality	Rhinelander City
Unified School District	Rhinelander School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,042.00 (+16.71%)	$255,800 (-) Land $50,200 Building $205,600	$433,802 Land $85,132 Building $348,670
2023	$6,034.00 Homeowner's exemption	$255,800 Land $50,200 Building $205,600

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 May 16, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	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	RHINELANDER WATER & WASTEWATER serves 8,234 people · EPA ID WI7440126
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	1 ppb (2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Bug Tussel Wireless, T-Mobile.

Nearby Properties on Spring Lake Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures