Winnebago County property record for 446 Bowen St, Oshkosh, WI 54901
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,978 sqft · built 1920 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,839 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-00590000 |
| Primary APN | 11-00590000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,978 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| 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 | 480 sqft |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 911-00590000 |
|---|---|
| Street Address | 446 BOWEN ST |
| City | OSHKOSH |
| State | WI |
| Zip | 54901-5160 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | S 50 FT OF N 100 FT OF W 120 FT OF LOT 10 BLK 37 EVANS ADDN |
| Legal Subdivision | EVANS ADDN |
| Legal Block | 37 |
| Legal Lot Number | 10 |
| Jurisdiction | WINNEBAGO WI |
| Township / Civil Division | OSHKOSH |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 200 |
446 Bowen St is owned and occupied by two individuals.
Source: Winnebago County records, as of May 27, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 446 BOWEN ST, OSHKOSH, WI 54901-5160 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Survivorship Marital Property |
| Date | Document |
|---|---|
| Apr 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FOX COMMUNITIES CREDIT UNION |
| Mar 8, 2021 | Deed of Trust, Mortgage CITY OF OSHKOSH |
| Mar 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | Apr 13, 2026 |
| Property Address | 446 BOWEN ST, OSHKOSH, WI 54901-5160 |
| Document Number | 0001965021 |
| Instrument Date | Apr 7, 2026 |
| Instrument | 20261965021 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 446 BOWEN ST, OSHKOSH, WI 54901-5160 |
| Document Number | 0001965021, |
|---|---|
| Date | Apr 13, 2026 |
| Instrument | 20261965021 |
| Name | FOX COMMUNITIES CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.99% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Property Address | 446 BOWEN ST, OSHKOSH, WI 54901-5160 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0001844907 |
|---|---|
| Date | Mar 8, 2021 |
| Instrument | 1844907 |
| Name | CITY OF OSHKOSH |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | Mar 1, 2021 |
| Property Address | 446 BOWEN ST, OSHKOSH, WI 54901-5160 |
| Document Number | 0001844305 |
| Map Reference | MAP 1894 |
| Instrument Date | Feb 19, 2021 |
| Instrument | 1844305 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 446 BOWEN ST, OSHKOSH, WI 54901-5160 |
| Document Number | 0001844306 |
|---|---|
| Date | Mar 1, 2021 |
| Instrument | 1844306 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
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 | $204,900 Land $20,800 Building $184,100 | ||
| 2024 | $3,839.00 (+23.28%) | ||
| 2023 | $3,114.00 (+1.1%) Homeowner's exemption | $106,200 (-) Land $15,800 Building $90,400 | $153,461 Land $22,831 Building $130,630 |
| 2022 | $3,080.00 Homeowner's exemption | $106,200 Land $15,800 Building $90,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 446 Bowen St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 26, 2019
| 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.
No wildfire likelihood is modeled around 446 Bowen St, 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 wildfire likelihood modeled here |
|---|
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 534 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Bertram Communications Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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