637 Spruce Holw, Eagle River, WI 54521 Property Records

Vilas County property record for 637 Spruce Holw, Eagle River, WI 54521

Property Summary

Property Type	Single Family Home
Lot Size	2.59 acres (112,820 sqft)
Owner	Company Name on Record
Last Sale	$249,500 (Mar 2022)
Tax Bill	$1,581 (2025)
Deeds & Mortgages	Mar 2022 Sale & Line of Credit Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-413-15`

Property Details

APN / Parcel Number

Primary APN	`14-413-15`
Alternative APN	`2 QQ 7-16`

Exterior

Lot Area	112,820 sqft (2.59 acres)

Location & Zoning

Street Address	637 SPRUCE HOLW
City	EAGLE RIVER
State	WI
Zip	54521-8949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRT SW NW PCL 8A
Legal Range	10E
Legal Township	39N
Legal Section	11
Legal Lot Number	7
Jurisdiction	VILAS WI
Township / Civil Division	LINCOLN
Census Block Group	3
Census Block	3014
Census Tract	950502

Owner

Source: Vilas County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 785, LAKE DELTON, WI 53940-0785
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2022	Warranty Deed, Transfer · Line of Credit PREVAIL BANK
Jun 11, 2019	Warranty Deed, Transfer · Conventional Mortgage MBANK
Apr 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage RIVER VALLEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2022 · Amount on Record
Deed Sale	Mar 1, 2022 · Amount on Record
Prior Sale	Jun 11, 2019 · Amount on Record
Deed Document Number	2022591770
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VILAS WI
Recording Date	Mar 1, 2022
Property Address	637 SPRUCE HOLW, EAGLE RIVER, WI 54521-8949
Document Number	0000591770
Instrument Date	Feb 28, 2022
Instrument	591770
Transaction Type	Transfer
Record Updated	Apr 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$748.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 785, LAKE DELTON, WI 53940-0785

Mortgage

Document Number	0000591771
Date	Mar 1, 2022
Instrument	591771

Lender

Name	PREVAIL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VILAS WI
Recording Date	Jun 11, 2019
Property Address	637 SPRUCE HOLW, EAGLE RIVER, WI 54521-8949
Document Number	0000562550
Instrument Date	Jun 7, 2019
Instrument	562550
Transaction Type	Transfer
Record Updated	Mar 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$507.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 1324, EAGLE RIVER, WI 54521-1324

Mortgage

Document Number	0000562551
Date	Jun 11, 2019
Instrument	562551

Lender

Name	MBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VILAS WI
Property Address	637 SPRUCE HOLW, EAGLE RIVER, WI 54521-8949
Transaction Type	Mortgage
Record Updated	May 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	553459
Date	Apr 23, 2018
Instrument	553459

Lender

Name	RIVER VALLEY BANK
Type	Bank
Address	WAUSAU, WI 54401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	133 Months
Due	May 1, 2029

Tax Assessment & Valuation

Source: Vilas County assessment roll, as of February 20, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Vilas County
County Subdivision	Lincoln Town
Unified School District	Northland Pines School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,581.00 (-2.47%)	$268,200 (-) Land $38,500 Building $229,700
2023	$1,621.00	$268,200 Land $38,500 Building $229,700
2022			$231,700

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 June 5, 2012 · 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	1 in force

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	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 35 locations within half a mile, as of December 31, 2025

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

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