La Crosse County property record for 451 R Stephan Pl, Onalaska, WI 54650
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.298 acres (13,024 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,933 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 018-005268-000 |
| Primary APN | 018-005268-000 |
|---|---|
| Alternative APNs |
|
| Lot Area | 13,024 sqft (0.298 acres) |
|---|
| Account Number | 56589 |
|---|---|
| Old Parcel Number | 18 5268 0 |
| Street Address | 451 R STEPHAN PL |
| City | ONALASKA |
| State | WI |
| Zip | 54650-7027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARMONY ESTATES LOT 1 & S 20FT LOT 1 BLOCK 1 OF CEDAR RIDGE |
| Legal Range | 07 |
| Legal Township | 17 |
| Legal Section | 32 |
| Legal Quarter | NW |
| Quarter-Quarter Section | SE |
| Legal Subdivision | HARMONY ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | LA CROSSE WI |
| Township / Civil Division | ONALASKA |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 10404 |
451 R Stephan Pl is owned and occupied by two individuals.
Source: La Crosse County records, as of February 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 451 R STEPHAN PL, ONALASKA, WI 54650-7027 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COULEE BANK |
| Apr 30, 2020 | Deed of Trust, Mortgage · Balloon Mortgage COULEE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LA CROSSE WI |
| Property Address | 451 R STEPHAN PL, ONALASKA, WI 54650-7027 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1744273 |
|---|---|
| Date | Apr 21, 2020 |
| Instrument | 1744273 |
| Name | COULEE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LA CROSSE WI |
| Property Address | 451 R STEPHAN PL, ONALASKA, WI 54650-7027 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1745013 |
|---|---|
| Date | Apr 30, 2020 |
| Instrument | 1745013 |
| Name | COULEE BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 20, 2030 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 451 R Stephan Pl was $5,933 with a homeowner's exemption.
Source: La Crosse County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Wisconsin |
| County | La Crosse County |
| Municipality | Onalaska City |
| Unified School District | Onalaska School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,933.00 Homeowner's exemption | $448,700 Land $74,200 Building $374,500 | $453,900 |
| 2023 | $5,930.00 Homeowner's exemption | $351,200 Land $53,000 Building $298,200 | $351,200 Land $53,000 Building $298,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 451 R Stephan Pl in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 3, 2023
| 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 risk around 451 R Stephan Pl is low, with a 0.01% annual chance of 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 | None beyond ember reach |
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 | ONALASKA WATERWORKS serves 18,000 people · EPA ID WI6320327 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2023) 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 396 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 8,000 / 8,000 |
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures