539 Tower Rd, Saint Croix Falls, WI 54024 Property Records

Polk County property record for 539 Tower Rd, Saint Croix Falls, WI 54024

Property Summary

Property Type	Single Family Home
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Jul 2023)
Tax Bill	$4,030 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Mar 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`281-01329-0000`

Property Details

APN / Parcel Number

Primary APN	`281-01329-0000`

Exterior

Lot Area	22,216 sqft (0.51 acres)

Location & Zoning

Street Address	539 TOWER RD
City	SAINT CROIX FALLS
State	WI
Zip	54024-9421
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 MONTRIOL ESTATES
Legal Range	18W
Legal Township	34N
Legal Section	19
Legal Lot Number	20
Jurisdiction	POLK WI
Township / Civil Division	ST. CROIX FALLS
Census Block Group	1
Census Block	1013
Census Tract	960701

Owner

Source: Polk County records, as of February 19, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	539 TOWER RD, SAINT CROIX FALLS, WI 54024-9421
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage ROYAL CU
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage HIAWATHA NATIONAL BANK
Nov 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage HIAWATHA NATIONAL BANK
Jul 5, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Dec 27, 2019	Warranty Deed, Transfer · Conventional Mortgage HIAWATHA NATIONAL BANK
Nov 21, 2005	Quit Claim Deed, Transfer Quitclaim
Nov 28, 2005	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2023 · Amount on Record
Deed Sale	Jul 5, 2023 · Amount on Record
Prior Sale	Dec 27, 2019 · Amount on Record
Deed Document Number	2023918724
Prior Transfer Date	Oct 21, 2005
Prior Transfer Doc	00981/0218
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK WI
Property Address	539 TOWER RD, SAINT CROIX FALLS, WI 54024-9421
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000867021
Date	Oct 31, 2018
Instrument	867021

Lender

Name	ROYAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 30, 2038

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK WI
Property Address	539 TOWER RD, SAINT CROIX FALLS, WI 54024-9421
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000894349
Date	Mar 30, 2021
Instrument	894349

Lender

Name	HIAWATHA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK WI
Property Address	539 TOWER RD, SAINT CROIX FALLS, WI 54024-9421
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000913512
Date	Nov 2, 2022
Instrument	913512

Lender

Name	HIAWATHA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK WI
Recording Date	Jul 5, 2023
Property Address	539 TOWER RD, SAINT CROIX FALLS, WI 54024-9421
Document Number	0000918724
Map Reference	DOC 398758 PG 525
Instrument Date	Jun 30, 2023
Instrument	918724
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	PANOLA COUNTY ABSTRACT AND TITLE, POLK COUNTY ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$930.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000918725
Date	Jul 5, 2023
Instrument	918725

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK WI
Recording Date	Dec 27, 2019
Property Address	539 TOWER RD, SAINT CROIX FALLS, WI 54024-9421
Document Number	0000878559
Instrument Date	Dec 27, 2019
Instrument	878559
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	POLK COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$645.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000878560
Date	Dec 27, 2019
Instrument	878560

Lender

Name	HIAWATHA NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

November 2005: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK WI
Recording Date	Nov 21, 2005
Property Address	539 TOWER RD, SAINT CROIX FALLS, WI 54024-9421
Document Number	00981/0219
Book / Page	0981 / 0219
Instrument Date	Oct 21, 2005
Instrument	00708940
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	369 W 9TH ST # ST8, ST8, NEW RICHMOND, WI 54017-1664

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 T0WER ROAD, ST CROIX FALLS, WI 54024

November 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK WI
Recording Date	Nov 28, 2005
Property Address	539 TOWER RD, SAINT CROIX FALLS, WI 54024-9421
Document Number	00981/0218
Book / Page	0981 / 0218
Instrument Date	Oct 21, 2005
Instrument	00708939
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	539 TOWER RD, SAINT CROIX FALLS, WI 54024-9421

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5314 PRIMROSE LN, OSHKOSH, WI 54904-9524

Tax Assessment & Valuation

Source: Polk County assessment roll, as of February 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,030.00 (+72.59%) Homeowner's exemption	$308,800 (+120.73%) Land $35,500 Building $273,300	$328,000 (+65.82%) Land $37,707 Building $290,293
2023	$2,335.00 (-12.87%) Homeowner's exemption	$139,900 (-) Land $21,100 Building $118,800	$197,800 (-3.04%)
2022	$2,680.00 Homeowner's exemption	$139,900 Land $21,100 Building $118,800	$204,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2011 · 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	1 in force

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST CROIX FALLS WATERWORKS serves 2,079 people · EPA ID WI6490343
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	5 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	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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