492 E Cove Rd, Hudson, WI 54016 Property Records

St. Croix County property record for 492 E Cove Rd, Hudson, WI 54016

Property Summary

Property Type	Single Family Home
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,450,000 (Aug 2026)
Tax Bill	$9,352 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Sep 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`040-1293-70-000`

Property Details

APN / Parcel Number

Primary APN	`040-1293-70-000`
Alternative APN	`17.28.19.1682`

Exterior

Lot Area	52,272 sqft (1.2 acres)

Location & Zoning

Street Address	492 E COVE RD
City	HUDSON
State	WI
Zip	54016-8128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 17 T28N R19W SE NE LOT 7 PINEY WOODS SUBDIVISION
Legal Range	19W
Legal Township	28N
Legal Section	17
Legal Subdivision	PINEY WOODS SUBDIVISION
Legal Lot Number	7
Jurisdiction	ST CROIX WI
Township / Civil Division	TROY
Census Block Group	1
Census Block	1019
Census Tract	120906

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	492 E COVE RD, HUDSON, WI 54016-8128
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Warranty Deed, Transfer · Conventional Mortgage US BANK
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage RIVER FALLS STATE BANK
Sep 10, 2025	Deed of Trust, Mortgage · Line of Credit RIVER FALLS STATE BANK
Apr 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS STATE BANK
Apr 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage JEFFREY J WARREN
Dec 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIGURE LNDG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2026 · Amount on Record
Deed Sale	Aug 31, 2026 · Amount on Record
Deed Document Number	20261212262
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Aug 31, 2026
Property Address	492 E COVE RD, HUDSON, WI 54016-8128
Document Number	0001212262
Instrument Date	Aug 20, 2026
Instrument	20261212262
Transaction Type	Transfer
Record Updated	Sep 15, 2026
Title Company	COUNTY ABSTRACT, ST CROIX COUNTY ABSTRACT & TIT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	492 E COVE RD, HUDSON, WI 54016-8128

Mortgage

Document Number	0001212263,
Date	Aug 31, 2026
Instrument	20261212263

Lender

Name	US BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	492 E COVE RD, HUDSON, WI 54016-8128
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001139209
Date	Sep 16, 2021
Instrument	1139209

Lender

Name	RIVER FALLS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	492 E COVE RD, HUDSON, WI 54016-8128
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001197389
Date	Sep 10, 2025
Instrument	1197389

Lender

Name	RIVER FALLS STATE BANK
Type	Bank
Address	RIVER FALLS, WI 54022

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	492 E COVE RD, HUDSON, WI 54016-8128
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001100669
Date	Apr 17, 2020
Instrument	1100669

Lender

Name	CITIZENS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	492 E COVE RD, HUDSON, WI 54016-8128
Document Number	0001100670
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	492 E COVE RD HUDSON WI 540168128, HUDSON, WI 54016-8128

Mortgage

Document Number	0001100670
Date	Apr 17, 2020
Instrument	1100670

Lender

Name	JEFFREY J WARREN
Address	397 EAGLE BLUFF CT, HUDSON, WI 54016-8197

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	492 E COVE RD, HUDSON, WI 54016-8128
Document Number	0001076179
Instrument Date	Dec 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	492 E COVE RD HUDSON WI 540168128, HUDSON, WI 54016-8128

Mortgage

Document Number	0001076179
Date	Dec 31, 2018
Instrument	1076179

Lender

Name	FIGURE LNDG LLC
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Dec 30, 2025

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	Troy Town
Unified School District	Hudson School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,352.00 Homeowner's exemption
2025	$9,352.00 (+8.13%) Homeowner's exemption	$779,500 (-) Land $125,000 Building $654,500	$779,500 (-) Land $125,000 Building $654,500
2023	$8,649.00 Homeowner's exemption	$779,500 Land $125,000 Building $654,500	$779,500 Land $125,000 Building $654,500

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 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 Policies	1 in force

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 67% of the US · above 95% of Wisconsin
Wildfire Likelihood	0.02% 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Baldwin Telecom Fiber	8,000 / 8,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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