498 Simmon Dr, Osceola, WI 54020 Property Records

Polk County property record for 498 Simmon Dr, Osceola, WI 54020

Property Summary

Property Type	Single Family Home
Lot Size	1.6 acres (69,696 sqft)
Owner	Individual Name on File
Tax Bill	$3,949 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jan 2012 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`165-00768-0000`

Property Details

APN / Parcel Number

Primary APN	`165-00768-0000`

Exterior

Lot Area	69,696 sqft (1.6 acres)

Location & Zoning

Street Address	498 SIMMON DR
City	OSCEOLA
State	WI
Zip	54020-5843
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 12 NELSON'S AIRPORT ACRES LOC IN VILLAGE OF OSCEOLA
Legal Lot Number	12
Jurisdiction	POLK WI
Township / Civil Division	OSCEOLA
Census Block Group	2
Census Block	2002
Census Tract	960800

Owner

498 Simmon Dr is owned and occupied by an individual who acquired it in April 2015.

Source: Polk County records, as of February 18, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	498 SIMMON DR, OSCEOLA, WI 54020-5843
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage HIAWATHA NATIONAL BANK
Jan 12, 2012	Deed of Trust, Mortgage ROYAL CREDIT UNION
Jan 23, 2015	Deed of Trust, Mortgage ROYAL CREDIT UNION
Apr 2, 2015	Intrafamily Transfer, Transfer · Conventional Mortgage HIAWATHA NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 2, 2015
Transfer Doc	0000828770
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK WI
Property Address	498 SIMMON DR, OSCEOLA, WI 54020-5843
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000883262
Date	Jun 12, 2020
Instrument	883262

Lender

Name	HIAWATHA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jul 1, 2045

Interest

Rate Type	Fixed Rate

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK WI
Property Address	498 SIMMON DR, OSCEOLA, WI 54020-5843
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000791328
Date	Jan 12, 2012
Instrument	791328

Lender

Name	ROYAL CREDIT UNION
Address	200 RIVERFRONT TER, EAU CLAIRE, WI 54703

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jan 1, 2022

January 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK WI
Property Address	498 SIMMON DR, OSCEOLA, WI 54020-5843
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000827040
Date	Jan 23, 2015
Instrument	827040

Lender

Name	ROYAL CREDIT UNION
Address	EAU CLAIRE, WI 54703

Agreement

Amount	Amount on Record

April 2015: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK WI
Recording Date	Apr 2, 2015
Property Address	498 SIMMON DR, OSCEOLA, WI 54020-5843
Document Number	0000828770
Instrument Date	Mar 31, 2015
Instrument	828770
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	POLK COUNTY ABSTRACT

Transaction

Tax	$498.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000828771
Date	Apr 2, 2015
Instrument	828771

Lender

Name	HIAWATHA NATIONAL BANK
Address	HUDSON, WI 54016

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 498 Simmon Dr was $3,949 with a homeowner's exemption.

Source: Polk County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Polk County
Municipality	Osceola Village
Unified School District	Osceola School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,949.00 Homeowner's exemption	$268,700 Land $29,500 Building $239,200	$334,000 Land $36,669 Building $297,331
2023	$3,807.00	$268,700 Land $29,500 Building $239,200	$282,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 498 Simmon Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 16, 2011

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

Wildfire risk around 498 Simmon Dr 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OSCEOLA WATERWORKS serves 2,680 people · EPA ID WI6490341
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Lakeland Communications.

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