Forest County property record for 5122 Spruce St, Laona, WI 54541
| Property Type | Single Family Home |
|---|---|
| Owner | Individual Name on Record |
| Last Sale | $97,000 (Aug 2024) |
| Tax Bill | $601 (2025) |
| Deeds & Mortgages | May 2024 Mortgage Aug 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 018-00443-0000 |
| Primary APN | 018-00443-0000 |
|---|---|
| Alternative APN |
|
| Street Address | 5122 SPRUCE ST |
|---|---|
| City | LAONA |
| State | WI |
| Zip | 54541-9312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PLAT OF 3RD RR ADD LOTS 14 & 15 BLK 18 |
| Legal Range | 15E |
| Legal Township | 36N |
| Legal Section | 31 |
| Legal Subdivision | 3RD RR ADD |
| Legal Block | 18 |
| Legal Lot Number | 14,15 15 |
| Jurisdiction | FOREST WI |
| Township / Civil Division | LAONA |
| Census Block Group | 1 |
| Census Block | 1144 |
| Census Tract | 950200 |
Source: Forest County records, as of February 26, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 5122 SPRUCE ST, LAONA, WI 54541-9312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 28, 2024 | Deed of Trust, Mortgage · Commercial Mortgage LAONA STATE BANK |
| Aug 19, 2024 | Warranty Deed, Transfer · Conventional Mortgage COVANTAGE CU |
| Apr 20, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage LAONA STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2024 · Amount on Record |
| Deed Sale | Aug 19, 2024 · Amount on Record |
| Prior Sale | Apr 20, 2022 · Amount on Record |
| Deed Document Number | 243643 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FOREST WI |
| Property Address | 5122 SPRUCE ST, LAONA, WI 54541-9312 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000242942 |
|---|---|
| Date | May 28, 2024 |
| Instrument | 242942 |
| Name | LAONA STATE BANK |
|---|---|
| Type | Bank |
| Address | LAONA, WI 54541 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 10, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FOREST WI |
| Recording Date | Aug 19, 2024 |
| Property Address | 5122 SPRUCE ST, LAONA, WI 54541-9312 |
| Document Number | 0000243643 |
| Instrument Date | Aug 15, 2024 |
| Instrument | 243643 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $291.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5122 SPRUCE ST, LAONA, WI 54541-9312 |
| Document Number | 0000243644 |
|---|---|
| Date | Aug 19, 2024 |
| Instrument | 243644 |
| Name | COVANTAGE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.37% |
| Change Frequency | Annually |
| Min Rate At Change | 5.37% |
| Max Rate At Change | 9.37% |
| Index | 1-Year T-Bill |
| Max Rate | 13.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FOREST WI |
| Recording Date | Apr 20, 2022 |
| Property Address | 5122 SPRUCE ST, LAONA, WI 54541-9312 |
| Document Number | 0000237283 |
| Instrument Date | Apr 20, 2022 |
| Instrument | 237283 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2022 |
| Title Company | CREST ABSTRACT COMPANY, FOREST ABSTRACT CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $75.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5122 SPRUCE ST, LAONA, WI 54541-9312 |
| Document Number | 0000237284 |
|---|---|
| Date | Apr 20, 2022 |
| Instrument | 237284 |
| Name | LAONA STATE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Forest County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Forest County |
| County Subdivision | Laona Town |
| Unified School District | Laona School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $601.00 (+10.48%) | $41,700 (-) Land $15,000 Building $26,700 | $55,100 (+21.37%) Land $19,820 Building $35,280 |
| 2023 | $544.00 | $41,700 Land $15,000 Building $26,700 | $45,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective December 16, 2011
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAONA SANITARY DIST serves 950 people · EPA ID WI7210108 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Sanitary survey deficiency not corrected currently in violation since Jul 2026 Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 3 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 132 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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