508 Gardner St, Rhinelander, WI 54501 Property Records

Oneida County property record for 508 Gardner St, Rhinelander, WI 54501

Property Summary

Property Type	Single Family Home
Lot Size	0.505 acres (21,998 sqft)
Owner	2 Individual Names on File
Last Sale	$189,500 (Jul 2023)
Tax Bill	$2,505 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`RH 1928`

Property Details

APN / Parcel Number

Primary APN	`RH 1928`

Exterior

Lot Area	21,998 sqft (0.505 acres)

Location & Zoning

Street Address	508 GARDNER ST
City	RHINELANDER
State	WI
Zip	54501-2505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 844388/706387 GS COON ADDN; LOTS 1 & 2 BLK 2 & ASSR REPLAT GS COON ADDN; LOT 17 BLK 2 EXC V307 P171
Legal Range	09E
Legal Township	36N
Legal Section	06
Legal Subdivision	GS COON ADDN
Legal Block	2
Legal Lot Number	1,2,17
Jurisdiction	ONEIDA WI
Township / Civil Division	RHINELANDER
Census Block Group	1
Census Block	1014
Census Tract	971500

Owner

508 Gardner St is owned and occupied by two individuals who bought it in July 2023.

Source: Oneida County records, as of August 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	508 GARDNER ST, RHINELANDER, WI 54501-2505
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
Aug 4, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 7, 2023	Warranty Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage COVANTAGE CU
May 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2023 · Amount on File
Deed Sale	Jul 7, 2023 · Amount on File
Prior Sale	Jun 6, 2011 · Amount on File
Deed Document Number	2023844388
Transfer Doc	0000706387
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA WI
Recording Date	Aug 4, 2026
Property Address	508 GARDNER ST, RHINELANDER, WI 54501-2505
Document Number	0000873779
Instrument Date	Jul 27, 2026
Instrument	2026873779
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	508 GARDNER ST, RHINELANDER, WI 54501-2505

Mortgage

Document Number	0000873779,
Date	Aug 4, 2026
Instrument	2026873779

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA WI
Recording Date	Jul 7, 2023
Property Address	508 GARDNER ST, RHINELANDER, WI 54501-2505
Document Number	0000844388
Instrument Date	Jul 7, 2023
Instrument	844388
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	LIGHTHOUSE TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$568.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000844389
Date	Jul 7, 2023
Instrument	844389

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA WI
Property Address	508 GARDNER ST, RHINELANDER, WI 54501-2505
Transaction Type	Mortgage
Record Updated	Nov 11, 2021
Title Company	ONEIDA TITLE AND ABSTRACT INC, ONEIDA TITLE & ABSTRACT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	827201
Date	Nov 1, 2021
Instrument	827201

Lender

Name	COVANTAGE CU
Type	Credit Union
Address	ANTIGO, WI 54409

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA WI
Property Address	508 GARDNER ST, RHINELANDER, WI 54501-2505
Transaction Type	Mortgage
Record Updated	Apr 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	702091
Date	May 30, 2017
Instrument	702091

Lender

Name	ASSOCIATED BANK NA
Type	Bank
Address	GREEN BAY, WI 54301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 508 Gardner St was $2,505 with a homeowner's exemption.

Source: Oneida County assessment roll, as of March 24, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Oneida County
Municipality	Rhinelander City
Unified School District	Rhinelander School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,505.00	$91,000 Land $11,400 Building $79,600	$154,324 Land $19,333 Building $134,991
2023	$2,146.00 (+8.06%) Homeowner's exemption	$91,000 (-) Land $11,400 Building $79,600
2022	$1,986.00 Homeowner's exemption	$91,000 Land $11,400 Building $79,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 508 Gardner St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 16, 2013

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 508 Gardner St 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	Direct burnable vegetation

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	RHINELANDER WATER & WASTEWATER serves 8,234 people · EPA ID WI7440126
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	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 257 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Bug Tussel Wireless.

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