Winnebago County property record for 438 W 5th Ave, Oshkosh, WI 54902
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,126 sqft · built 1920 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $172,500 (Apr 2026) |
| Tax Bill | $2,438 (2024) |
| Deeds & Mortgages | May 2021 Mortgage Apr 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-05140000 |
| Primary APN | 09-05140000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,126 sqft Living Area |
| 1st Floor Area | 1,126 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,250 sqft (0.144 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Account Number | 909-05140000 |
|---|---|
| Street Address | 438 W 5TH AVE |
| City | OSHKOSH |
| State | WI |
| Zip | 54902-5906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 17 BLK 78 PLAT OF ORIGINAL 3RD WARD |
| Legal Subdivision | PLAT OF ORIGIONAL THIRD WARD |
| Legal Block | 78 |
| Legal Lot Number | 17 |
| Jurisdiction | WINNEBAGO WI |
| Township / Civil Division | OSHKOSH |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 1200 |
Source: Winnebago County records, as of August 24, 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 Record |
|---|---|
| Mailing Address | 438 W 5TH AVE, OSHKOSH, WI 54902-5906 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| May 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage VERVE A CU |
| Apr 23, 2026 | Warranty Deed, Transfer · Conventional Mortgage HOME STATE BANK |
| Jul 22, 2025 | Warranty Deed, Transfer |
| Oct 7, 2022 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 23, 2026 · Amount on Record |
| Deed Sale | Apr 23, 2026 · Amount on Record |
| Prior Sale | Jul 22, 2025 · Amount on Record |
| Deed Document Number | 20261965711 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Property Address | 438 W 5TH AVE, OSHKOSH, WI 54902-5906 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001852958 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 1852958 |
| Name | VERVE A CU |
|---|---|
| Type | Credit Union |
| Address | OSHKOSH, WI 54903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.74% |
| Type Change Date | Jun 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.74% |
| Index | 1-Year CMT |
| Max Rate | 8.74% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | Apr 23, 2026 |
| Property Address | 438 W 5TH AVE, OSHKOSH, WI 54902-5906 |
| Document Number | 0001965711 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 20261965711 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $52,267.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 438 W 5TH AVE, OSHKOSH, WI 54902-5906 |
| Document Number | 0001965711, |
|---|---|
| Date | Apr 23, 2026 |
| Instrument | 20261965711 |
| Name | HOME STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Date | Apr 23, 2026 |
|---|
| Name | WI HOUSING AND ECONOMIC DEV AUTHORITY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 10 Months |
| Due | May 1, 2036 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | Jul 22, 2025 |
| Property Address | 438 W 5TH AVE, OSHKOSH, WI 54902-5906 |
| Document Number | 0001948899 |
| Instrument Date | Jul 18, 2025 |
| Instrument | 1948899 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $465.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | Oct 7, 2022 |
| Property Address | 438 W 5TH AVE, OSHKOSH, WI 54902-5906 |
| Document Number | 0001892477 |
| Instrument Date | Oct 7, 2022 |
| Instrument | 1892477 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 438 W 5TH AVE, OSHKOSH, WI 54902-5906 |
| Document Number | 0001892478 |
|---|---|
| Date | Oct 7, 2022 |
| Instrument | 1892478 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
Source: Winnebago County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Winnebago County |
| Municipality | Oshkosh City |
| Unified School District | Oshkosh Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $134,800 (-) Land $23,200 Building $111,600 | ||
| 2024 | $2,438.00 (+32.28%) | $134,800 (+82.9%) Land $23,200 Building $111,600 | |
| 2023 | $1,843.00 (-0.97%) Homeowner's exemption | $73,700 (-) Land $14,500 Building $59,200 | $106,498 Land $20,953 Building $85,545 |
| 2022 | $1,861.00 Homeowner's exemption | $73,700 Land $14,500 Building $59,200 |
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 |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 9 (2004–2008) |
| Claims Outside the SFHA | 4 of 9 |
| Most Recent Claim | Jun 2008 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
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 | Not rated no burnable land within 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 | OSHKOSH WATERWORKS serves 63,000 people · EPA ID WI4710457 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 6 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 744 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Bertram Communications Fixed Wireless | 100 / 20 |
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