5735 Ush 45, Three Lakes, WI 54562 Property Records

Oneida County property record for 5735 Ush 45, Three Lakes, WI 54562

Property Summary

Property Type	Single Family Home
Lot Size	7.4 acres (322,344 sqft)
Owner	Individual Name on File
Tax Bill	$1,363 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`TL 803 3`

Property Details

APN / Parcel Number

Primary APN	`TL 803 3`

Exterior

Lot Area	322,344 sqft (7.4 acres)

Location & Zoning

Street Address	5735 USH 45
City	THREE LAKES
State	WI
Zip	54562-9352
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 488562/509-494 PT SE NW N 264'
Legal Range	11E
Legal Township	38N
Legal Section	32
Jurisdiction	ONEIDA WI
Township / Civil Division	THREE LAKES
Census Block Group	3
Census Block	3030
Census Tract	970104

Owner

5735 Ush 45 is owned and occupied by an individual.

Source: Oneida County records, as of March 24, 2026

Owner of Record	Individual Name on File
Mailing Address	5735 USH 45, THREE LAKES, WI 54562-9352
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
Oct 25, 2019	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Jul 14, 2021	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA WI
Property Address	THREE LAKES, WI 54562
Transaction Type	Mortgage
Record Updated	May 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000799071
Date	Oct 25, 2019
Instrument	799071

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA WI
Property Address	THREE LAKES, WI 54562
Transaction Type	Mortgage
Record Updated	May 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000819744
Date	Apr 27, 2021
Instrument	819744

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	NAPERVILLE, IL 60563

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA WI
Property Address	THREE LAKES, WI 54562
Transaction Type	Mortgage
Record Updated	May 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5735 US HIGHWAY 45, THREE LAKES, WI 54562-9352

Mortgage

Document Number	0000822940
Date	Jul 14, 2021
Instrument	822940

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 13, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 5735 Ush 45 was $1,363 with a homeowner's exemption.

Source: Oneida County assessment roll, as of March 24, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Oneida County
County Subdivision	Three Lakes Town
Unified School District	Three Lakes School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,363.00	$97,900 Land $34,100 Building $63,800	$183,803 Land $64,021 Building $119,782
2023	$1,203.00 Homeowner's exemption	$97,900 Land $34,100 Building $63,800

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

Flood

FEMA maps place 5735 Ush 45 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 16, 2013

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

Wildfire risk around 5735 Ush 45 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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