538 Spring St, Eau Claire, WI 54703 Property Records

Eau Claire County property record for 538 Spring St, Eau Claire, WI 54703

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,808 sqft · built 1906
Lot Size	0.202 acres (8,817 sqft)
Owner	Company Name on Record
Last Sale	$108,000 (May 2017)
Tax Bill	$2,412 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-0104-000`

Property Details

APN / Parcel Number

Primary APN	`10-0104-000`
Alternative APNs	`18221-2-270916-320-2026` `221100104000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,808 sqft Total Area
Basement Area	714 sqft
Unfinished Basement	714 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Duplex Single
Exterior Material	Metal
Foundation Type	Block
Lot Area	8,817 sqft (0.202 acres)
Lot Dimensions	132 ft deep x 67 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	538 SPRING ST
City	EAU CLAIRE
State	WI
Zip	54703-3228
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Description	LOT 12 & S 2 FT OF LOT 11 BLK 6 EC LBR COS 9TH ADD TO EC
Legal Range	09W
Legal Township	27N
Legal Section	16
Legal Subdivision	EC LBR COS 9TH ADD
Legal Block	6
Legal Lot Number	12
Jurisdiction	EAU CLAIRE WI
Township / Civil Division	EAU CLAIRE
Census Block Group	3
Census Block	3017
Census Tract	600

Owner

Source: Eau Claire County records, as of October 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1812 BRACKETT AVE, 4, EAU CLAIRE, WI 54701-4677
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage REGIONAL BUSINESS FUND INC
Sep 15, 2022	Deed of Trust, Mortgage · Commercial Mortgage ROYAL CU
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL CU
Nov 23, 2020	Warranty Deed, Transfer · Conventional with PMI ROYAL CU
May 3, 2017	Deed, Transfer · FHA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2017 · Amount on Record
Deed Sale	May 3, 2017 · Amount on Record
Prior Sale	Jun 20, 2006 · Amount on Record
Deed Document Number	20171145285
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAU CLAIRE WI
Recording Date	May 26, 2026
Property Address	538 SPRING ST, EAU CLAIRE, WI 54703-3228
Document Number	0001279978
Instrument Date	Apr 30, 2026
Instrument	20261279978
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 SPRING ST, EAU CLAIRE, WI 54703-3228

Mortgage

Document Number	0001279978,
Date	May 26, 2026
Instrument	20261279978

Lender

Name	REGIONAL BUSINESS FUND INC

Agreement

Amount	Amount Recorded

Interest

Rate	6.46%
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAU CLAIRE WI
Property Address	538 SPRING ST, EAU CLAIRE, WI 54703-3228
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001236675
Date	Sep 15, 2022
Instrument	1236675

Lender

Name	ROYAL CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAU CLAIRE WI
Property Address	538 SPRING ST, EAU CLAIRE, WI 54703-3228
Document Number	0001202407
Instrument Date	Nov 18, 2020
Transaction Type	Mortgage
Record Updated	Dec 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1812 BRACKETT AVE #4 EAU CLAIRE WI 547014677, 4, EAU CLAIRE, WI 54701-4677

Mortgage

Document Number	0001202407
Date	Nov 23, 2020
Instrument	1202407

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EAU CLAIRE WI
Recording Date	Nov 23, 2020
Property Address	538 SPRING ST, EAU CLAIRE, WI 54703-3228
Document Number	0001202406
Instrument Date	Nov 16, 2020
Instrument	1202406
Transaction Type	Transfer
Record Updated	Dec 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$363.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1812 BRACKETT AVE #4 EAU CLAIRE WI 547014677, 4, EAU CLAIRE, WI 54701-4677

Mortgage

Document Number	1202407
Date	Nov 23, 2020
Instrument	1202407

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	EAU CLAIRE WI
Recording Date	May 3, 2017
Property Address	538 SPRING ST, EAU CLAIRE, WI 54703-3228
Document Number	0001145285
Instrument Date	Apr 24, 2017
Instrument	1145285
Transaction Type	Transfer
Record Updated	May 24, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$324.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 SPRING ST, EAU CLAIRE, WI 54703-3228

Mortgage

Document Number	0001145286
Date	May 3, 2017
Instrument	1145286

Lender

Name	US BANK NA

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Eau Claire County assessment roll, as of April 23, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Eau Claire County
Municipality	Eau Claire City
Unified School District	Eau Claire Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,412.00	$121,000 (-) Land $20,800 Building $100,200	$158,300
2023		$121,000 Land $20,800 Building $100,200

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

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 491 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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