Eau Claire County property record for 509 Cochrane St, Eau Claire, WI 54703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,729 sqft · built 1886 |
| Lot Size | 0.182 acres (7,937 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $221,900 (Nov 2023) |
| Tax Bill | $3,259 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-0427-000 |
| Primary APN | 01-0427-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,729 sqft Living Area |
| Basement Area | 250 sqft |
| Unfinished Basement | 250 sqft |
| Year Built | Built 1886 |
|---|---|
| Effective Year Built | Effective 1886 |
| Exterior Material | Vinyl |
| Foundation Type | Block |
| Lot Area | 7,937 sqft (0.182 acres) |
| Lot Dimensions | 124 ft deep x 64 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 509 COCHRANE ST |
|---|---|
| City | EAU CLAIRE |
| State | WI |
| Zip | 54703-3208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 11 BLK 13 PUTNAM & SIMONS 1ST ADD |
| Legal Range | 09W |
| Legal Township | 27N |
| Legal Section | 17 |
| Legal Subdivision | SIMONS 1ST ADD |
| Legal Block | 13 |
| Legal Lot Number | 11 |
| Jurisdiction | EAU CLAIRE WI |
| Township / Civil Division | EAU CLAIRE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 600 |
509 Cochrane St is owned and occupied by two individuals who bought it in November 2023.
Source: Eau Claire County records, as of October 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 509 COCHRANE ST, EAU CLAIRE, WI 54703-3208 |
| 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 |
|---|---|
| Nov 3, 2023 | Warranty Deed, Transfer · Conventional Mortgage CITIZENS STATE BANK |
| Jan 15, 2021 | Warranty Deed, Transfer · VA Mortgage KELLERY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 3, 2023 · Amount on File |
| Deed Sale | Nov 3, 2023 · Amount on File |
| Prior Sale | Jan 15, 2021 · Amount on File |
| Deed Document Number | 20231249218 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EAU CLAIRE WI |
| Recording Date | Nov 3, 2023 |
| Property Address | 509 COCHRANE ST, EAU CLAIRE, WI 54703-3208 |
| Document Number | 0001249218 |
| Instrument Date | Oct 30, 2023 |
| Instrument | 1249218 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2026 |
| Title Company | CALIBER TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $665.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 509 COCHRANE ST, EAU CLAIRE, WI 54703-3208 |
| Document Number | 0001249219 |
|---|---|
| Date | Nov 3, 2023 |
| Instrument | 1249219 |
| Name | CITIZENS STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.59% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 5.5% |
| Max Rate At Change | 11.5% |
| Index | Other |
| Max Rate | 15.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EAU CLAIRE WI |
| Recording Date | Jan 15, 2021 |
| Property Address | 509 COCHRANE ST, EAU CLAIRE, WI 54703-3208 |
| Document Number | 0001205096 |
| Instrument Date | Jan 14, 2021 |
| Instrument | 1205096 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $510.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 509 COCHRANE ST, EAU CLAIRE, WI 54703-3208 |
| Document Number | 0001205097 |
|---|---|
| Date | Jan 15, 2021 |
| Instrument | 1205097 |
| Name | KELLERY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 509 Cochrane St was $3,259 with a homeowner's exemption.
Source: Eau Claire County assessment roll, as of April 23, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Eau Claire County |
| Municipality | Eau Claire City |
| Unified School District | Eau Claire Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,259.00 | $171,900 Land $17,800 Building $154,100 | $224,900 |
| 2023 | $170,000 (-) Land $17,800 Building $152,200 | ||
| 2022 | $170,000 Land $17,800 Building $152,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 509 Cochrane St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 26, 2026
| 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 509 Cochrane St is low, with less than 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 99.1% of the US · lower than 97.9% of Wisconsin |
|---|---|
| Wildfire Likelihood | Under 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 | EAU CLAIRE WATERWORKS serves 70,587 people · EPA ID WI6180230 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | 2 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.
Source: FCC Broadband Data Collection, based on 356 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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