528 Spruce Dr, Hudson, WI 54016 Property Records

St. Croix County property record for 528 Spruce Dr, Hudson, WI 54016

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,398 sqft · built 2003
Lot Size	0.051 acres (2,255 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Jul 2021)
Tax Bill	$4,563 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jul 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`236-1961-00-112`

Property Details

APN / Parcel Number

Primary APN	`236-1961-00-112`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,398 sqft Living Area
1st Floor Area	626 sqft
2nd Floor Area	772 sqft
Basement Area	619 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	2,255 sqft (0.051 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Deck Area	113 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	528 SPRUCE DR
City	HUDSON
State	WI
Zip	54016-5869
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-3
Legal Description	LOT 112 SUMMER PINES FIRST ADDITION
Legal Range	19W
Legal Township	29N
Legal Section	30
Legal Subdivision	SUMMER PINES FIRST ADDITION
Legal Lot Number	112
Jurisdiction	ST CROIX WI
Township / Civil Division	HUDSON
Census Block Group	1
Census Block	1020
Census Tract	120201

Owner

528 Spruce Dr is owned by an individual who bought it in July 2021.

Source: St. Croix County records, as of October 21, 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 File
Mailing Address	397 EAGLE BLUFF CT, HUDSON, WI 54016-8197
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2021	Warranty Deed, Transfer · Conventional Mortgage RIVER FALLS STATE BANK
Jul 19, 2021	Quit Claim Deed, Transfer ST CROIX COUNTY ABSTRACT & T
Jun 24, 2020	Deed of Trust, Mortgage ROYAL CU
May 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage ROYAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2021 · Amount on File
Deed Sale	Jul 19, 2021 · Amount on File
Prior Sale	Sep 14, 2005 · Amount on File
Deed Document Number	20211134940
Prior Transfer Date	Jul 14, 2021
Prior Transfer Doc	0001134939
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Jul 19, 2021
Property Address	528 SPRUCE DR, HUDSON, WI 54016-5869
Document Number	0001134940
Instrument Date	Jul 14, 2021
Instrument	1134940
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	ST CROIX COUNTY ABSTRACT & T

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$810.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001134941
Date	Jul 19, 2021
Instrument	1134941

Lender

Name	RIVER FALLS STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CROIX WI
Recording Date	Jul 19, 2021
Property Address	528 SPRUCE DR, HUDSON, WI 54016-5869
Document Number	0001134939
Instrument Date	Jul 14, 2021
Instrument	1134939
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	ST CROIX COUNTY ABSTRACT & T

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	528 SPRUCE DR, HUDSON, WI 54016-5869
Document Number	0001106003
Instrument Date	Jun 24, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 SPRUCE DR HUDSON WI 540165869, HUDSON, WI 54016-5869

Mortgage

Document Number	0001106003
Date	Jun 30, 2020
Instrument	1106003

Lender

Name	ROYAL CU
Type	Credit Union
Address	EAU CLAIRE, WI 54703

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2050

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	528 SPRUCE DR, HUDSON, WI 54016-5869
Document Number	0001066059
Instrument Date	May 31, 2018
Transaction Type	Mortgage
Record Updated	Jul 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 SPRUCE DR HUDSON WI 540165869, HUDSON, WI 54016-5869

Mortgage

Document Number	0001066059
Date	Jun 6, 2018
Instrument	1066059

Lender

Name	ROYAL CU
Type	Credit Union
Address	EAU CLAIRE, WI 54703

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 5, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 528 Spruce Dr was $4,563.

Source: St. Croix County assessment roll, as of February 20, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	St. Croix County
Municipality	Hudson City
Unified School District	Hudson School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,563.00
2025	$4,563.00	$320,600 Land $40,500 Building $280,100	$320,600 Land $40,500 Building $280,100
2023	$3,349.00	$202,300 Land $26,600 Building $175,700	$202,300 Land $26,600 Building $175,700

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

Flood

FEMA maps place 528 Spruce Dr 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 April 1, 2016 · 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
Nearby Flood Policies	4 in force
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

Wildfire risk around 528 Spruce 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	None beyond ember reach

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	HUDSON WATERWORKS serves 18,558 people · EPA ID WI6560087
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	6 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	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 397 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Baldwin Telecom.

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