445 Dove St, Oshkosh, WI 54902 Property Records

Winnebago County property record for 445 Dove St, Oshkosh, WI 54902

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,094 sqft · built 1927
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Sep 2025)
Tax Bill	$3,197 (2024)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-10320000`

Property Details

APN / Parcel Number

Primary APN	`16-10320000`
Alternative APN	`916-10320000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,094 sqft Living Area

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Aluminum/Vinyl
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	308 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	916-10320000
Street Address	445 DOVE ST
City	OSHKOSH
State	WI
Zip	54902-4203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 20 BLK H HIGHLAND ADDN
Legal Subdivision	BLK H HIGHLAND ADDN
Legal Block	H
Legal Lot Number	20
Jurisdiction	WINNEBAGO WI
Township / Civil Division	OSHKOSH
Census Block Group	2
Census Block	2009
Census Tract	1100

Owner

445 Dove St is owned and occupied by an individual who bought it in September 2025.

Source: Winnebago County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	445 DOVE ST, OSHKOSH, WI 54902-4203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2025 · Amount on File
Deed Sale	Sep 11, 2025 · Amount on File
Prior Sale	Sep 14, 2020 · Amount on File
Deed Document Number	20251952281
Prior Transfer Date	Apr 25, 2016
Prior Transfer Doc	0001714477
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO WI
Recording Date	Sep 11, 2025
Property Address	445 DOVE ST, OSHKOSH, WI 54902-4203
Document Number	0001952281
Instrument Date	Sep 10, 2025
Instrument	1952281
Transaction Type	Transfer
Record Updated	Oct 8, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 DOVE ST, OSHKOSH, WI 54902-4203

Mortgage

Document Number	0001952282
Date	Sep 11, 2025
Instrument	1952282

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Winnebago County
Municipality	Oshkosh City
Unified School District	Oshkosh Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$171,000 (-) Land $24,400 Building $146,600
2024	$3,197.00 (+20.28%)	$171,000 (+88.12%) Land $24,400 Building $146,600	$178,416 (+35.83%) Land $25,458 Building $152,958
2023	$2,658.00 (+1.06%) Homeowner's exemption	$90,900 (-) Land $19,500 Building $71,400	$131,353 Land $28,178 Building $103,175
2022	$2,630.00 Homeowner's exemption	$90,900 Land $19,500 Building $71,400

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

Flood

FEMA maps place 445 Dove St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1986.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1986–2008)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding

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

The area around 445 Dove St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 308 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 · Fiber in parts of the area	1,000 / 1,000
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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