541 Spruce Dr, Hudson, WI 54016 Property Records

St. Croix County property record for 541 Spruce Dr, Hudson, WI 54016

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,761 sqft · built 2002
Lot Size	0.062 acres (2,738 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Jun 2019)
Tax Bill	$5,065 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`236-1961-77-000`

Property Details

APN / Parcel Number

Primary APN	`236-1961-77-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	2 Stories
Building Area	1,761 sqft Living Area
1st Floor Area	1,233 sqft
2nd Floor Area	528 sqft
Basement Area	1,233 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	2,738 sqft (0.062 acres)
Garage Type	Attached
Garage Area	475 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	541 SPRUCE DR
City	HUDSON
State	WI
Zip	54016-1874
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-3
Legal Description	LOT 77 SUMMER PINES
Legal Range	19W
Legal Township	29N
Legal Section	30
Legal Subdivision	SUMMER PINES
Legal Lot Number	77
Jurisdiction	ST CROIX WI
Township / Civil Division	HUDSON
Census Block Group	1
Census Block	1022
Census Tract	120201

Owner

541 Spruce Dr is owned and occupied by an individual who bought it in June 2019.

Source: St. Croix County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	541 SPRUCE DR, HUDSON, WI 54016-1874
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage HUD
Mar 31, 2020	Deed of Trust, Mortgage · Construction Mortgage UNITED WHOLESALE MORTGAGE
Jun 6, 2019	Warranty Deed, Construction Loan · Construction Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2019 · Amount on File
Deed Sale	Jun 6, 2019 · Amount on File
Deed Document Number	20191082636
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	541 SPRUCE DR, HUDSON, WI 54016-1874
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001151628
Date	Apr 18, 2022
Instrument	1151628

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	541 SPRUCE DR, HUDSON, WI 54016-1874
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001099571
Date	Mar 31, 2020
Instrument	1099571

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Jun 6, 2019
Property Address	541 SPRUCE DR, HUDSON, WI 54016-1874
Document Number	0001082636
Instrument Date	May 31, 2019
Instrument	1082636
Transaction Type	Construction Loan
Record Updated	Feb 3, 2022
Title Company	BURNET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$870.00
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	0001082637
Date	Jun 6, 2019
Instrument	1082637

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 541 Spruce Dr was $5,065 with a homeowner's exemption, up % from the year before.

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	$5,065.00 (+0.02%) Homeowner's exemption
2025	$5,064.00 Homeowner's exemption	$401,400 Land $45,000 Building $356,400	$401,400 Land $45,000 Building $356,400
2023	$4,669.00 Homeowner's exemption	$296,600 Land $29,500 Building $267,100	$296,600 Land $29,500 Building $267,100

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

Flood

FEMA maps place 541 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 541 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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