Vernon County property record for 620 W Decker St, Viroqua, WI 54665
| Property Type | Single Family Home |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $131,500 (Nov 2016) |
| Tax Bill | $4,125 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Dec 2006 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 286-01510-0000 |
| Primary APN | 286-01510-0000 |
|---|---|
| Alternative APN |
|
| Street Address | 620 W DECKER ST |
|---|---|
| City | VIROQUA |
| State | WI |
| Zip | 54665-1517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ASSESSORS LOT 65 & NORTHERLY 70 OF EASTERLY 59 OF OL 64 |
| Legal Lot Number | 65 |
| Jurisdiction | VERNON WI |
| Township / Civil Division | VIROQUA |
| Census Block Group | 4 |
| Census Block | 4051 |
| Census Tract | 960400 |
620 W Decker St is owned and occupied by an individual who bought it in November 2016.
Source: Vernon County records, as of February 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 620 W DECKER ST, VIROQUA, WI 54665-1517 |
| 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.
| Date | Document |
|---|---|
| Jul 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL BANK |
| Dec 8, 2006 | Deed of Trust, Mortgage WESTBY CO-OP CU |
| Nov 18, 2020 | Deed of Trust, Mortgage · Line of Credit ROYAL BANK |
| Nov 18, 2020 | Deed of Trust, Mortgage · Line of Credit ROYAL BANK |
| Jul 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL BANK |
| Feb 17, 2005 | Trustee's Deed, Foreclosure · ARM FIRST FRANKLIN FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 22, 2016 · Amount on File |
| Deed Sale | Nov 22, 2016 · Amount on File |
| Prior Sale | Aug 4, 2009 · Amount on File |
| Deed Document Number | 495292 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VERNON WI |
| Property Address | 620 W DECKER ST, VIROQUA, WI 54665-1517 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000514903 |
|---|---|
| Date | Jul 20, 2020 |
| Instrument | 514903 |
| Name | ROYAL BANK |
|---|---|
| Type | Bank |
| Address | VIROQUA, WI 54665 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VERNON WI |
| Property Address | 620 W DECKER ST, VIROQUA, WI 54665-1517 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000434378 |
|---|---|
| Date | Dec 8, 2006 |
| Instrument | 434378 |
| Name | WESTBY CO-OP CU |
|---|---|
| Address | WESTBY, WI 54667 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VERNON WI |
| Property Address | 620 W DECKER ST, VIROQUA, WI 54665-1517 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 620 W DECKER ST, VIROQUA, WI 54665-1517 |
| Document Number | 0000517448 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | 517448 |
| Name | ROYAL BANK |
|---|---|
| Type | Bank |
| Address | VIROQUA, WI 54665 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VERNON WI |
| Property Address | 620 W DECKER ST, VIROQUA, WI 54665-1517 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Name | Verified Name |
|---|---|
| Address | 620 W DECKER ST, VIROQUA, WI 54665-1517 |
| Document Number | 517448 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | 517448 |
| Name | ROYAL BANK |
|---|---|
| Type | Bank |
| Address | VIROQUA, WI 54665 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VERNON WI |
| Property Address | 620 W DECKER ST, VIROQUA, WI 54665-1517 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 514903 |
|---|---|
| Date | Jul 20, 2020 |
| Instrument | 514903 |
| Name | ROYAL BANK |
|---|---|
| Type | Bank |
| Address | VIROQUA, WI 54665 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2040 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | VERNON WI |
| Recording Date | Feb 17, 2005 |
| Property Address | 620 W DECKER ST, VIROQUA, WI 54665-1517 |
| Document Number | 0000420972 |
| Instrument Date | Feb 11, 2005 |
| Instrument | 420972 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $336.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 620 W DECKER ST, VIROQUA, WI 54665-1517 |
| Document Number | 0000420973 |
|---|---|
| Date | Feb 17, 2005 |
| Instrument | 420973 |
| Name | FIRST FRANKLIN FINANCIAL CORP |
|---|---|
| Type | Subprime Lender |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2007 |
| Change Frequency | 6 Months |
| Min Rate At Change | 6.62% |
| Max Rate At Change | 9.62% |
| Index | 6-Month LIBOR |
| Max Rate | 12.6% |
| Document Number | 0000420974 |
|---|---|
| Date | Feb 17, 2005 |
| Instrument | 420974 |
| Name | FIRST FRANKLIN FINANCIAL CORP |
|---|---|
| Type | Subprime Lender |
| Address | SAN JOSE, CA 95131 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2025 |
The 2025 property tax bill for 620 W Decker St was $4,125 with a homeowner's exemption.
Source: Vernon County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Vernon County |
| Municipality | Viroqua City |
| Unified School District | Viroqua Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,125.00 Homeowner's exemption | $272,200 Land $40,300 Building $231,900 | $270,800 |
| 2023 | $3,195.00 Homeowner's exemption | $157,400 Land $26,500 Building $130,900 | $195,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 620 W Decker St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 11, 2025
| 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 risk around 620 W Decker St 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VIROQUA WATERWORKS serves 4,362 people · EPA ID WI6630263 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 4 ppb (2023) action level 15 ppb |
| 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, 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 341 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vernon Communications Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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