Winnebago County property record for 638 W 18th Ave, Oshkosh, WI 54902
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,328 sqft · built 1920 |
| Lot Size | 0.217 acres (9,450 sqft) |
| Owner | Individual Name on File |
| Last Sale | $116,500 (Jul 2007) |
| Tax Bill | $3,257 (2024) |
| Deeds & Mortgages | May 2021 Mortgage Aug 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-05980000 |
| Primary APN | 14-05980000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,328 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,450 sqft (0.217 acres) |
| Lot Dimensions | 135 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 914-05980000 |
|---|---|
| Street Address | 638 W 18TH AVE |
| City | OSHKOSH |
| State | WI |
| Zip | 54902-6711 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | W 70 FT OF E 130 FT OF LOT 3 BLK 112 OSBORNS ADDN |
| Legal Subdivision | OSBORNS ADDITION |
| Legal Block | 112 |
| Legal Lot Number | 3 |
| Jurisdiction | WINNEBAGO WI |
| Township / Civil Division | OSHKOSH |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 1400 |
638 W 18th Ave is owned and occupied by an individual who bought it in July 2007.
Source: Winnebago County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 638 W 18TH AVE, OSHKOSH, WI 54902-6711 |
| 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 |
|---|---|
| May 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage VERVE A CU |
| Aug 10, 2021 | Deed of Trust, Mortgage · Line of Credit VERVE A CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 5, 2007 · Amount on File |
| Deed Sale | Jul 5, 2007 · Amount on File |
| Prior Sale | Jun 22, 2006 · Amount on File |
| Deed Document Number | 20071440604 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Property Address | 638 W 18TH AVE, OSHKOSH, WI 54902-6711 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001851678 |
|---|---|
| Date | May 14, 2021 |
| Instrument | 1851678 |
| Name | VERVE A CU |
|---|---|
| Type | Credit Union |
| Address | OSHKOSH, WI 54903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Property Address | 638 W 18TH AVE, OSHKOSH, WI 54902-6711 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001859753 |
|---|---|
| Date | Aug 10, 2021 |
| Instrument | 1859753 |
| Name | VERVE A CU |
|---|---|
| Type | Credit Union |
| Address | OSHKOSH, WI 54903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 20, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Winnebago County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Winnebago County |
| Municipality | Oshkosh City |
| Unified School District | Oshkosh Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $186,400 Land $32,200 Building $154,200 | ||
| 2024 | $3,257.00 (+8.46%) | ||
| 2023 | $3,003.00 (-0.2%) Homeowner's exemption | $112,700 (-) Land $23,900 Building $88,800 | $162,854 Land $34,536 Building $128,318 |
| 2022 | $3,009.00 Homeowner's exemption | $112,700 Land $23,900 Building $88,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 638 W 18th Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 26, 2019
| 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 638 W 18th Ave is low, with less than 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 98% of the US · lower than 94% of Wisconsin |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OSHKOSH WATERWORKS serves 63,000 people · EPA ID WI4710457 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 6 ppb (2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 474 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Bertram Communications Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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