437 Pearl St, Onalaska, WI 54650 Property Records

La Crosse County property record for 437 Pearl St, Onalaska, WI 54650

Property Summary

Property Type	Single Family Home
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$169,900 (Jun 2022)
Tax Bill	$2,421 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`018-000556-001`

Property Details

APN / Parcel Number

Primary APN	`018-000556-001`
Alternative APN	`40636`

Exterior

Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Account Number	40636
Street Address	437 PEARL ST
City	ONALASKA
State	WI
Zip	54650-2585
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRT NE-SE F/K/A E 80FT LOT 3 BLOCK 6 VAC J E BROWN ADDN EX CSM NO. 131 VOL 3 LOT 1 DOC NO. 985347
Legal Range	07
Legal Township	16
Legal Section	05
Legal Quarter	NE
Quarter-Quarter Section	SE
Legal Block	6
Legal Lot Number	1,3
Jurisdiction	LA CROSSE WI
Township / Civil Division	ONALASKA
Census Block Group	3
Census Block	3001
Census Tract	10403

Owner

Source: La Crosse County records, as of February 16, 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 File
Mailing Address	437 PEARL ST, ONALASKA, WI 54650-2585
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage WHEDA
Jun 1, 2022	Warranty Deed, Transfer · Conventional Mortgage LAND HOME FINANCIAL SVCS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2022 · Amount on File
Deed Sale	Jun 1, 2022 · Amount on File
Prior Sale	Sep 29, 2011
Deed Document Number	1794438
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	437 PEARL ST, ONALASKA, WI 54650-2585
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001794440
Date	Jun 1, 2022
Instrument	1794440

Lender

Name	WHEDA
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2032

Interest

Rate Type	Fixed Rate

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Jun 1, 2022
Property Address	437 PEARL ST, ONALASKA, WI 54650-2585
Document Number	0001794438
Map Reference	DOC 985347 PG 131
Instrument Date	May 31, 2022
Instrument	1794438
Transaction Type	Transfer
Record Updated	Jul 18, 2023
Title Company	NEW CASTLE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$509.70
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	0001794439
Date	Jun 1, 2022
Instrument	1794439

Lender

Name	LAND HOME FINANCIAL SVCS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: La Crosse County assessment roll, as of January 1, 2025

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	$2,421.00 (-7.17%) Homeowner's exemption	$195,500 (+26.54%) Land $61,000 Building $134,500	$197,800 (+28.03%)
2023	$2,608.00 (+4.24%) Homeowner's exemption	$154,500 (-) Land $43,600 Building $110,900	$154,500 (-) Land $43,600 Building $110,900
2022	$2,502.00 Homeowner's exemption	$154,500 Land $43,600 Building $110,900	$154,500 Land $43,600 Building $110,900

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 520 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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