446 Virtue Rd, Hudson, WI 54016 Property Records

St. Croix County property record for 446 Virtue Rd, Hudson, WI 54016

Property Summary

Property Type	Single Family Home
Lot Size	1.53 acres (66,734 sqft)
Owner	2 Individual Names on Record
Last Sale	$331,500 (May 2017)
Tax Bill	$4,826 (2026)
Deeds & Mortgages	Jan 2023 Line of Credit Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`020-1283-90-000`

Property Details

APN / Parcel Number

Primary APN	`020-1283-90-000`
Alternative APN	`20.29.19.1372`

Exterior

Lot Area	66,734 sqft (1.53 acres)

Location & Zoning

Street Address	446 VIRTUE RD
City	HUDSON
State	WI
Zip	54016-7581
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 17 T29N R19W PT SW SE & SEC 20 T29N R19W PT NW NE LOT 119 WILLOW RIDGE EAST II 1.532 ACRES
Legal Range	19W
Legal Township	29N
Legal Section	20
Legal Subdivision	WILLOW RIDGE EAST II
Legal Lot Number	119
Jurisdiction	ST CROIX WI
Township / Civil Division	HUDSON
Census Block Group	1
Census Block	1020
Census Tract	120300

Owner

Source: St. Croix County records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	446 VIRTUE RD, HUDSON, WI 54016-7581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2023	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
Mar 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
May 16, 2017	Warranty Deed, Transfer · FHA Mortgage HOMESERVICES LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2017 · Amount on Record
Deed Sale	May 16, 2017 · Amount on Record
Deed Document Number	20171047715
Prior Transfer Date	May 31, 2007
Prior Transfer Doc	0000851973
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	446 VIRTUE RD, HUDSON, WI 54016-7581
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001162902
Date	Jan 6, 2023
Instrument	1162902

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	72 Months
Due	Jan 5, 2028

Interest

Rate Type	Fixed Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	446 VIRTUE RD, HUDSON, WI 54016-7581
Transaction Type	Mortgage
Record Updated	Mar 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001149755
Date	Mar 10, 2022
Instrument	1149755

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	May 16, 2017
Property Address	446 VIRTUE RD, HUDSON, WI 54016-7581
Document Number	0001047715
Instrument Date	Apr 28, 2017
Instrument	1047715
Transaction Type	Transfer
Record Updated	Feb 3, 2022
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$994.50
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	0001047716
Date	May 16, 2017
Instrument	1047716

Lender

Name	HOMESERVICES LENDING LLC
Type	Mortgage Company
Address	WEST DES MOINES, IA 50266

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: St. Croix County assessment roll, as of February 20, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	St. Croix County
County Subdivision	Hudson Town
Unified School District	Hudson School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,826.00 Homeowner's exemption
2025	$4,826.00 (+7.32%) Homeowner's exemption	$464,500 (-) Land $106,300 Building $358,200	$464,500 (-) Land $106,300 Building $358,200
2023	$4,497.00 Homeowner's exemption	$464,500 Land $106,300 Building $358,200	$464,500 Land $106,300 Building $358,200

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 April 1, 2016 · 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 Claims	1 (1989)
Most Recent Claim	Mar 1989 · river or lake 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

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Baldwin Telecom Fiber	8,000 / 8,000
Midco Fiber	5,000 / 5,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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