437 R Stephan Pl, Onalaska, WI 54650 Property Records

La Crosse County property record for 437 R Stephan Pl, Onalaska, WI 54650

Property Summary

Property Type	Single Family Home
Lot Size	0.269 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Mar 2019)
Tax Bill	$6,752 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`018-005270-000`

Property Details

APN / Parcel Number

Primary APN	`018-005270-000`
Alternative APNs	`18 5270 0` `49344`

Exterior

Lot Area	11,761 sqft (0.269 acres)

Location & Zoning

Account Number	49344
Old Parcel Number	18 5270 0
Street Address	437 R STEPHAN PL
City	ONALASKA
State	WI
Zip	54650-7027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARMONY ESTATES LOT 3
Legal Range	07
Legal Township	17
Legal Section	32
Legal Quarter	NW
Quarter-Quarter Section	SE
Legal Subdivision	HARMONY ESTATES
Legal Lot Number	3
Jurisdiction	LA CROSSE WI
Township / Civil Division	ONALASKA
Census Block Group	1
Census Block	1026
Census Tract	10404

Owner

437 R Stephan Pl is owned and occupied by an individual who bought it in March 2019.

Source: La Crosse County records, as of February 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	437 R STEPHAN PL, ONALASKA, WI 54650-7027
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALTRA FCU
Jul 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage ALTRA FCU
Mar 8, 2019	Warranty Deed, Transfer · Conventional Mortgage ALTRA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2019 · Amount on File
Deed Sale	Mar 8, 2019 · Amount on File
Deed Document Number	1723069
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	437 R STEPHAN PL, ONALASKA, WI 54650-7027
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1781005
Date	Sep 20, 2021
Instrument	1781005

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2051

Interest

Rate Type	Fixed Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	437 R STEPHAN PL, ONALASKA, WI 54650-7027
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1714045
Date	Jul 31, 2018
Instrument	1714045

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	437 R STEPHAN PL, ONALASKA, WI 54650-7027
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1741625
Date	Feb 28, 2020
Instrument	1741625

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2035

Interest

Rate Type	Fixed Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Mar 8, 2019
Property Address	437 R STEPHAN PL, ONALASKA, WI 54650-7027
Document Number	0001723069
Instrument Date	Mar 6, 2019
Instrument	1723069
Transaction Type	Transfer
Record Updated	Feb 18, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,095.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 R STEPHAN PL, ONALASKA, WI 54650-7027

Mortgage

Document Number	0001723070
Date	Mar 8, 2019
Instrument	1723070

Lender

Name	ALTRA FCU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 437 R Stephan Pl was $6,752 with a homeowner's exemption.

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	$6,752.00 Homeowner's exemption	$507,800 Land $72,500 Building $435,300	$513,600
2023	$6,766.00 Homeowner's exemption	$400,700 Land $51,800 Building $348,900	$400,700 Land $51,800 Building $348,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 437 R Stephan Pl in Zone X, an area of minimal flood risk.

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

Wildfire risk around 437 R Stephan Pl is low, with a 0.01% annual chance of 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 396 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	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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