628 Spruce Dr, Hudson, WI 54016 Property Records

St. Croix County property record for 628 Spruce Dr, Hudson, WI 54016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,398 sqft · built 2001
Lot Size	0.043 acres (1,899 sqft)
Owner	Individual Name on File
Last Sale	$154,900 (Jan 2014)
Tax Bill	$3,910 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Nov 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`236-1961-03-000`

Property Details

APN / Parcel Number

Primary APN	`236-1961-03-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	2 Stories
Building Area	1,398 sqft Living Area
1st Floor Area	626 sqft
2nd Floor Area	772 sqft
Basement Area	619 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	1,899 sqft (0.043 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Deck Area	113 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	628 SPRUCE DR
City	HUDSON
State	WI
Zip	54016-1871
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-3
Legal Description	LOT 3 SUMMER PINES
Legal Range	19W
Legal Township	29N
Legal Section	30
Legal Subdivision	SUMMER PINES
Legal Lot Number	3
Jurisdiction	ST CROIX WI
Township / Civil Division	HUDSON
Census Block Group	1
Census Block	1025
Census Tract	120201

Owner

628 Spruce Dr is owned and occupied by an individual who bought it in January 2014.

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

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

Owner of Record	Individual Name on File
Mailing Address	628 SPRUCE DR, HUDSON, WI 54016-1871
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed of Trust, Mortgage · Line of Credit WESTCONSIN CREDIT UNION
Nov 30, 2023	Deed of Trust, Mortgage · Line of Credit WESTCONSIN CU
Nov 1, 2021	Deed of Trust, Mortgage · Construction Mortgage WESTCONSIN CU
Jun 1, 2017	Deed of Trust, Mortgage MIDWESTONE BANK
Aug 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2014 · Amount on File
Deed Sale	Jan 30, 2014 · Amount on File
Deed Document Number	2014992059
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Recording Date	Jul 24, 2026
Property Address	628 SPRUCE DR, HUDSON, WI 54016-1871
Document Number	0001210583
Instrument Date	Jul 20, 2026
Instrument	20261210583
Transaction Type	Mortgage
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 SPRUCE DR, HUDSON, WI 54016-1871

Mortgage

Document Number	0001210583,
Date	Jul 24, 2026
Instrument	20261210583

Lender

Name	WESTCONSIN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 25, 2056

Interest

Rate	6.47%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	628 SPRUCE DR, HUDSON, WI 54016-1871
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001173786
Date	Nov 30, 2023
Instrument	1173786

Lender

Name	WESTCONSIN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	628 SPRUCE DR, HUDSON, WI 54016-1871
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001142363
Date	Nov 1, 2021
Instrument	1142363

Lender

Name	WESTCONSIN CU
Type	Credit Union

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	628 SPRUCE DR, HUDSON, WI 54016-1871
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001048552
Date	Jun 1, 2017
Instrument	1048552

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	HUDSON, WI 54016

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jun 5, 2027

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	628 SPRUCE DR, HUDSON, WI 54016-1871
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001087690
Date	Aug 29, 2019
Instrument	1087690

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2039

Interest

Rate Type	Fixed Rate

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	$3,910.00 (+0.03%) Homeowner's exemption
2025	$3,909.00 (+29.91%) Homeowner's exemption	$314,900 (+58.64%) Land $40,500 Building $274,400	$314,900 (+58.64%) Land $40,500 Building $274,400
2023	$3,009.00 Homeowner's exemption	$198,500 Land $26,600 Building $171,900	$198,500 Land $26,600 Building $171,900

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

Flood

FEMA maps place 628 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 628 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	Direct burnable vegetation

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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