Winnebago County property record for 512 Spruce St, Omro, WI 54963
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,329 (2024) |
| Deeds & Mortgages | Mar 2026 Line of Credit Aug 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 265-0934 |
| Primary APN | 265-0934 |
|---|---|
| Alternative APN |
|
| Lot Area | 11,761 sqft (0.27 acres) |
|---|
| Heating System | HVAC |
|---|
| Account Number | 27155 |
|---|---|
| Street Address | 512 SPRUCE ST |
| City | OMRO |
| State | WI |
| Zip | 54963-1050 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTH SIDE ADD LOT 16 EXC S 18 FT AND LOT 15 EXC NLY 24 FT .27 A. |
| Legal Range | 15E |
| Legal Township | 18N |
| Legal Section | 07 |
| Legal Subdivision | NORTH SIDE ADD |
| Legal Lot Number | 16,15 |
| Jurisdiction | WINNEBAGO WI |
| Township / Civil Division | OMRO |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 2001 |
512 Spruce St is owned and occupied by two individuals who acquired it in March 2017.
Source: Winnebago County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 512 SPRUCE ST, OMRO, WI 54963-1050 |
| 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 |
|---|---|
| Mar 24, 2026 | Deed of Trust, Mortgage · Line of Credit FORTIFI BANK |
| Aug 8, 2022 | Deed of Trust, Mortgage · Line of Credit FORTIFI BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 31, 2017 |
| Transfer Doc | 0000036431 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Property Address | 512 SPRUCE ST, OMRO, WI 54963-1050 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001963850 |
|---|---|
| Date | Mar 24, 2026 |
| Instrument | 1963850 |
| Name | FORTIFI BANK |
|---|---|
| Type | Bank |
| Address | BERLIN, WI 54923 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 25, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Property Address | 512 SPRUCE ST, OMRO, WI 54963-1050 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001888421 |
|---|---|
| Date | Aug 8, 2022 |
| Instrument | 1888421 |
| Name | FORTIFI BANK |
|---|---|
| Type | Bank |
| Address | BERLIN, WI 54923 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 25, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Winnebago County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Winnebago County |
| Municipality | Omro City |
| Unified School District | Omro School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $219,200 Land $21,900 Building $197,300 | ||
| 2024 | $3,329.00 (+10.82%) | ||
| 2023 | $3,004.00 (+6.52%) Homeowner's exemption | $130,700 (+4.9%) Land $15,900 Building $114,800 | $189,534 (+19.56%) Land $23,057 Building $166,477 |
| 2022 | $2,820.00 Homeowner's exemption | $124,600 Land $15,900 Building $108,700 | $158,532 Land $20,230 Building $138,302 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 512 Spruce St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
Source: FEMA National Flood Hazard Layer, effective March 26, 2019 · 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 |
| Flood Insurance Cost | Premium on File median of 12 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 24 units insured incl. 12 condo units |
| Nearby Flood Claims | 1 (2019) |
| Most Recent Claim | Mar 2019 · river or lake flooding |
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 risk around 512 Spruce 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 99.8% of the US · lower than 99.7% 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 | OMRO WATERWORKS serves 3,629 people · EPA ID WI4710357 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 2 ppb (2025) 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 154 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Bertram Communications Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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