637 Winter St, Onalaska, WI 54650 Property Records

La Crosse County property record for 637 Winter St, Onalaska, WI 54650

Property Summary

Property Type	Single Family Home
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,227 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`018-003919-000`

Property Details

APN / Parcel Number

Primary APN	`018-003919-000`
Alternative APNs	`18 3919 0` `44137`

Exterior

Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	112 ft deep x 98 ft wide

Location & Zoning

Account Number	44137
Old Parcel Number	18 3919 0
Street Address	637 WINTER ST
City	ONALASKA
State	WI
Zip	54650-8537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIRST ADDN TO MAYFAIR ADDN LOT 49
Legal Range	07
Legal Township	16
Legal Section	10
Legal Quarter	SW
Quarter-Quarter Section	SW
Legal Subdivision	FIRST ADDN TO MAYFAIR ADDN
Legal Lot Number	49
Jurisdiction	LA CROSSE WI
Township / Civil Division	ONALASKA
Census Block Group	1
Census Block	1038
Census Tract	10500

Owner

Source: La Crosse County records, as of February 16, 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
Co-owner	Co-owner on Record
Mailing Address	637 WINTER ST, ONALASKA, WI 54650-8537
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS STATE BANK
Dec 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS STATE BANK LA CROSSE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 1995
Deed Sale	May 19, 1995
Deed Document Number	1133355
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	637 WINTER ST, ONALASKA, WI 54650-8537
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1770860
Date	Apr 22, 2021
Instrument	1770860

Lender

Name	CITIZENS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2036

Interest

Rate Type	Fixed Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	637 WINTER ST, ONALASKA, WI 54650-8537
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1720578
Date	Dec 26, 2018
Instrument	1720578

Lender

Name	CITIZENS STATE BANK LA CROSSE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: La Crosse County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	La Crosse County
Municipality	Onalaska City
Unified School District	Onalaska School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,227.00 (-2.58%) Homeowner's exemption	$325,700 (+26.73%) Land $37,100 Building $288,600	$329,400 (+28.17%)
2023	$4,339.00 Homeowner's exemption	$257,000 Land $37,100 Building $219,900	$257,000 Land $37,100 Building $219,900

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 February 3, 2023 · 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	3 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	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	ONALASKA WATERWORKS serves 18,000 people · EPA ID WI6320327
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 220 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Lynxx Networks.

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