541 Cedar St, Omro, WI 54963 Property Records

Winnebago County property record for 541 Cedar St, Omro, WI 54963

Property Summary

Property Type	Single Family Home
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$900,000 (Jun 2021)
Tax Bill	$2,322 (2024)
Deeds & Mortgages	Feb 2026 Mortgage Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`265-0926`

Property Details

APN / Parcel Number

Primary APN	`265-0926`
Alternative APN	`26969`

Exterior

Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	26969
Street Address	541 CEDAR ST
City	OMRO
State	WI
Zip	54963-1013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTH SIDE ADD LOT 8 .20 A.
Legal Range	15E
Legal Township	18N
Legal Section	07
Legal Subdivision	NORTH SIDE ADD
Legal Lot Number	8
Jurisdiction	WINNEBAGO WI
Township / Civil Division	OMRO
Census Block Group	1
Census Block	1039
Census Tract	2001

Owner

Source: Winnebago County records · APN 265-0926

Assessment roll updated May 27, 2026 · Last verified July 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	541 CEDAR ST, OMRO, WI 54963-1013
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2026	Deed of Trust, Mortgage · Closed-End Mortgage RIPPLE CU
Dec 30, 2025	Quit Claim Deed, Transfer · Closed-End Mortgage RIPPLE CU
Jun 01, 2021	Warranty Deed, Transfer · ARM MARINE CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 01, 2021 · Amount on Record
Deed Sale	Jun 01, 2021 · Amount on Record
Deed Document Number	20211853082
Last Transfer Date	Dec 22, 2025
Transfer Doc	0001958987
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO WI
Property Address	541 CEDAR ST, OMRO, WI 54963-1013
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 CEDAR ST, OMRO, WI 54963-1013

Mortgage

Document Number	0001962035
Date	Feb 23, 2026
Instrument	1962035

Lender

Name	RIPPLE CU
Type	Credit Union
Address	OSHKOSH, WI 54902

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 23, 2041

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO WI
Recording Date	Dec 30, 2025
Property Address	541 CEDAR ST, OMRO, WI 54963-1013
Document Number	0001958987
Instrument Date	Dec 22, 2025
Instrument	1958987
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 CEDAR ST, OMRO, WI 54963-1013

Mortgage

Document Number	0001958988
Date	Dec 30, 2025
Instrument	1958988

Lender

Name	RIPPLE CU
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 23, 2040

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO WI
Recording Date	Jun 01, 2021
Property Address	541 CEDAR ST, OMRO, WI 54963-1013
Document Number	0001853082
Instrument Date	May 28, 2021
Instrument	1853082
Transaction Type	Transfer
Record Updated	Aug 04, 2023
Title Company	KNIGHT BARRY TITLE SERVICES LLC, KNIGHT BARRY TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,700.00
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	0001853083
Date	Jun 01, 2021
Instrument	1853083

Lender

Name	MARINE CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 05, 2051

Interest

Rate Type	Adjustable Rate
Rate	7.98%
Type Change Date	Jun 01, 2026
Change Frequency	Annually
Min Rate At Change	7.98%
Max Rate At Change	9.98%
Index	1-Year CMT
Max Rate	13.9%

Tax Assessment & Valuation

Source: Winnebago County records · Assessment roll updated May 27, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Winnebago County
Municipality	Omro City
Unified School District	Omro School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$152,300 (+77.51%) Land $13,800 Building $138,500
2024	$2,322.00 (+9.89%)	$85,800 (-) Land $10,100 Building $75,700	$135,920 (+9.24%) Land $16,000 Building $119,920
2023	$2,113.00 (+1.83%) Homeowner's exemption	$85,800 (-) Land $10,100 Building $75,700	$124,423 (+13.98%) Land $14,647 Building $109,776
2022	$2,075.00 Homeowner's exemption	$85,800 Land $10,100 Building $75,700	$109,166 Land $12,851 Building $96,315

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 26, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Bertram Communications Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 154 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OMRO WATERWORKS serves 3,629 people
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2025) 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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