448 Virtue Rd, Hudson, WI 54016 Property Records

St. Croix County property record for 448 Virtue Rd, Hudson, WI 54016

Property Summary

Property Type	Single Family Home
Lot Size	1.45 acres (63,510 sqft)
Owner	Individual Name on Record
Last Sale	$431,000 (Sep 2020)
Tax Bill	$5,664 (2026)
Deeds & Mortgages	Jan 2018 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`020-1284-10-000`

Property Details

APN / Parcel Number

Primary APN	`020-1284-10-000`
Alternative APN	`17.29.19.1373`

Exterior

Lot Area	63,510 sqft (1.45 acres)

Location & Zoning

Street Address	448 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 120 WILLOW RIDGE EAST II 1.458 ACRES
Legal Range	19W
Legal Township	29N
Legal Section	17
Legal Subdivision	WILLOW RIDGE EAST II
Legal Lot Number	120
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	Individual Name on Record
Mailing Address	448 VIRTUE RD, HUDSON, WI 54016-7581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL COMMUNITY BANK
Mar 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL COMMUNITY BANK
Sep 21, 2020	Warranty Deed, Transfer · Conventional Mortgage LEND SMART MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2020 · Amount on Record
Deed Sale	Sep 21, 2020 · Amount on Record
Deed Document Number	20201112117
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	448 VIRTUE RD, HUDSON, WI 54016-7581
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001060408
Date	Jan 26, 2018
Instrument	1060408

Lender

Name	FIRST NATIONAL COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	448 VIRTUE RD, HUDSON, WI 54016-7581
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001098258
Date	Mar 5, 2020
Instrument	1098258

Lender

Name	FIRST NATIONAL COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Sep 21, 2020
Property Address	448 VIRTUE RD, HUDSON, WI 54016-7581
Document Number	0001112117
Instrument Date	Aug 25, 2020
Instrument	1112117
Transaction Type	Transfer
Record Updated	Feb 3, 2022
Title Company	LEGACY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,293.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001112118
Date	Sep 21, 2020
Instrument	1112118

Lender

Name	LEND SMART MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$5,664.00 Homeowner's exemption
2025	$5,664.00 (+7.05%) Homeowner's exemption	$540,500 (-) Land $103,300 Building $437,200	$540,500 (-) Land $103,300 Building $437,200
2023	$5,291.00 Homeowner's exemption	$540,500 Land $103,300 Building $437,200	$540,500 Land $103,300 Building $437,200

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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