545 Spruce Dr, Hudson, WI 54016 Property Records

St. Croix County property record for 545 Spruce Dr, Hudson, WI 54016

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,748 sqft · built 2002
Lot Size	0.054 acres (2,368 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,821 (2026)
Deeds & Mortgages	Apr 2022 Construction Loan Feb 2022 Sale & Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`236-1961-75-000`

Property Details

APN / Parcel Number

Primary APN	`236-1961-75-000`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,748 sqft Living Area
1st Floor Area	1,220 sqft
2nd Floor Area	528 sqft
Basement Area	1,220 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	2,368 sqft (0.054 acres)
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	110 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	545 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 75 SUMMER PINES
Legal Range	19W
Legal Township	29N
Legal Section	30
Legal Subdivision	SUMMER PINES
Legal Lot Number	75
Jurisdiction	ST CROIX WI
Township / Civil Division	HUDSON
Census Block Group	1
Census Block	1022
Census Tract	120201

Owner

Source: St. Croix County records, as of October 21, 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 Record
Mailing Address	545 SPRUCE DR, HUDSON, WI 54016-1874
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage · Construction Mortgage WESTCONSIN CU
Feb 2, 2022	Warranty Deed, Construction Loan · Construction Mortgage WESTCONSIN CU
Mar 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN BANK
Jan 8, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 1, 2007
Transfer Doc	0000847857
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	545 SPRUCE DR, HUDSON, WI 54016-1874
Transaction Type	Mortgage
Record Updated	May 4, 2022
Title Company	LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001151653
Date	Apr 18, 2022
Instrument	1151653

Lender

Name	WESTCONSIN CU
Type	Credit Union

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate

February 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Feb 2, 2022
Property Address	545 SPRUCE DR, HUDSON, WI 54016-1874
Document Number	0001147950
Instrument Date	Jan 25, 2022
Instrument	1147950
Transaction Type	Construction Loan
Record Updated	Feb 23, 2022
Title Company	LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,065.00
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	0001147951
Date	Feb 2, 2022
Instrument	1147951

Lender

Name	WESTCONSIN CU

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	545 SPRUCE DR, HUDSON, WI 54016-1874
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001079009
Date	Mar 18, 2019
Instrument	1079009

Lender

Name	FIRST AMERICAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 14, 2024

Interest

Rate Type	Fixed Rate

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CROIX WI
Recording Date	Jan 8, 2021
Property Address	545 SPRUCE DR, HUDSON, WI 54016-1874
Document Number	0001120480
Instrument Date	Dec 16, 2020
Instrument	1120480
Transaction Type	Transfer
Record Updated	Feb 2, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 SPRUCE DR HUDSON WI 540161874, HUDSON, WI 54016-1874

Tax Assessment & Valuation

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	$4,821.00 (+0.02%) Homeowner's exemption
2025	$4,820.00 (+8.58%) Homeowner's exemption	$383,100 (+35.37%) Land $45,000 Building $338,100	$383,100 (+35.37%) Land $45,000 Building $338,100
2023	$4,439.00 Homeowner's exemption	$283,000 Land $29,500 Building $253,500	$283,000 Land $29,500 Building $253,500

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 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

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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