451 23rd Ave, Cumberland, WI 54829 Property Records

Barron County property record for 451 23rd Ave, Cumberland, WI 54829

Property Summary

Property Type	Single Family Home
Lot Size	22.1 acres (962,981 sqft)
Owner	Individual Name on Record
Last Sale	$212,900 (May 2022)
Tax Bill	$2,527 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Dec 2023 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`016-1100-03-000`

Property Details

APN / Parcel Number

Primary APN	`016-1100-03-000`

Exterior

Lot Area	962,981 sqft (22.1 acres)

Location & Zoning

Street Address	451 23RD AVE
City	CUMBERLAND
State	WI
Zip	54829-9408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLATS 2-1 & 3-1 PRTS NW-NE & N 5 AC SW-NE LYG ELY OF TN RD EX E 580 FT
Legal Range	14W
Legal Township	35N
Legal Section	11
Jurisdiction	BARRON WI
Township / Civil Division	CRYSTAL LAKE
Census Block Group	3
Census Block	3023
Census Tract	200

Owner

Source: Barron County records, as of October 20, 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	451 23RD AVE, CUMBERLAND, WI 54829-9408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT INC
Dec 12, 2023	Deed of Trust, Mortgage · Conventional Mortgage CUMBERLAND FEDERAL BANK FSB
Oct 20, 2010	Deed of Trust, Mortgage · Conventional Mortgage CUMBERLAND FEDERAL BANK FSB
Nov 15, 2012	Deed of Trust, Mortgage · Line of Credit CUMBERLAND FSB
Jul 25, 2005	Deed of Trust, Mortgage · Line of Credit CUMBERLAND FEDERAL BANK
Sep 29, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT COM LLC
May 31, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT COM LLC
Jul 7, 2005	Warranty Deed, Transfer · Line of Credit CUMBERLAND FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2022 · Amount on Record
Deed Sale	May 31, 2022 · Amount on Record
Deed Document Number	2022888242
Last Transfer Date	Sep 20, 2025
Transfer Doc	0000914686
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARRON WI
Property Address	451 23RD AVE, CUMBERLAND, WI 54829-9408
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000861457
Date	Feb 6, 2020
Instrument	861457

Lender

Name	LOAN DEPOT INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARRON WI
Property Address	451 23RD AVE, CUMBERLAND, WI 54829-9408
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000899873
Date	Dec 12, 2023
Instrument	899873

Lender

Name	CUMBERLAND FEDERAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARRON WI
Property Address	451 23RD AVE, CUMBERLAND, WI 54829-9408
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002214/407
Date	Oct 20, 2010
Book Page	2214/407
Instrument	773248

Lender

Name	CUMBERLAND FEDERAL BANK FSB
Address	CUMBERLAND, WI 54829

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2040

November 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARRON WI
Property Address	451 23RD AVE, CUMBERLAND, WI 54829-9408
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002302/449
Date	Nov 15, 2012
Book Page	2302/449
Instrument	794709

Lender

Name	CUMBERLAND FSB
Address	CUMBERLAND, WI 54829

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARRON WI
Property Address	451 23RD AVE, CUMBERLAND, WI 54829-9408
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000711378
Date	Jul 25, 2005
Instrument	711378

Lender

Name	CUMBERLAND FEDERAL BANK
Address	CUMBERLAND, WI 54829

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BARRON WI
Recording Date	Sep 29, 2025
Property Address	451 23RD AVE, CUMBERLAND, WI 54829-9408
Document Number	0000914686
Instrument Date	Sep 20, 2025
Instrument	914686
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 23RD AVE, CUMBERLAND, WI 54829-9408

Mortgage

Document Number	0000914687
Date	Sep 29, 2025
Instrument	914687

Lender

Name	LOANDEPOT COM LLC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Month LIBOR

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BARRON WI
Recording Date	May 31, 2022
Property Address	451 23RD AVE, CUMBERLAND, WI 54829-9408
Document Number	0000888242
Instrument Date	Feb 20, 2021
Instrument	888242
Transaction Type	Transfer
Record Updated	Jun 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 23RD AVE, CUMBERLAND, WI 54829-9408

Mortgage

Document Number	0000888243
Date	May 31, 2022
Instrument	888243

Lender

Name	LOANDEPOT COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BARRON WI
Recording Date	Jul 7, 2005
Property Address	451 23RD AVE, CUMBERLAND, WI 54829-9408
Document Number	0000710692
Book / Page	254
Instrument Date	Jun 30, 2005
Instrument	710692
Transaction Type	Transfer
Record Updated	Feb 8, 2022

Transaction

Amount	Amount Recorded
Tax	$108.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0000710800
Date	Jul 8, 2005
Instrument	710800

Lender

Name	CUMBERLAND FEDERAL BANK
Address	CUMBERLAND, WI 54829

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Barron County assessment roll, as of February 18, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Barron County
County Subdivision	Crystal Lake Town
Unified School District	Cumberland School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,527.00 (+6%) Homeowner's exemption	$122,800 (-) Land $17,900 Building $104,900	$250,400 (+11.54%) Land $36,500 Building $213,900
2024	$2,384.00 (+23.14%) Homeowner's exemption	$122,800 (-) Land $17,900 Building $104,900	$224,500 (+10.86%) Land $32,724 Building $191,776
2023	$1,936.00 Homeowner's exemption	$122,800 Land $17,900 Building $104,900	$202,500

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 29, 2020

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.

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	0.01% annual chance
Exposure	Direct burnable vegetation

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: Brightspeed, Mosaic Technologies, Spectrum, Verizon.

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