6399 Decorah Ave, Oshkosh, WI 54902 Property Records

Winnebago County property record for 6399 Decorah Ave, Oshkosh, WI 54902

Property Summary

Property Type	Single Family Home
Lot Size	0.85 acres (37,026 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (May 2018)
Tax Bill	$13,188 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-0941`

Property Details

APN / Parcel Number

Primary APN	`004-0941`
Alternative APN	`182`

Exterior

Lot Area	37,026 sqft (0.85 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	182
Street Address	6399 DECORAH AVE
City	OSHKOSH
State	WI
Zip	54902-7633
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	DECORAH PT LOTS 3 & 4 BLK D DESC AS LOT 2 OF CSM-5027 .85 A.
Legal Range	17E
Legal Township	17N
Legal Section	28
Legal Subdivision	DECORAH
Legal Tract	2
Legal Block	D
Legal Lot Number	3,4,2
Jurisdiction	WINNEBAGO WI
Township / Civil Division	BLACK WOLF
Census Block Group	3
Census Block	3002
Census Tract	1900

Owner

Source: Winnebago County records, as of May 27, 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
Mailing Address	6399 DECORAH AVE, OSHKOSH, WI 54902-7633
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Survivorship Marital Property

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CREDIT UNION
Apr 29, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2018 · Amount on Record
Deed Sale	May 1, 2018 · Amount on Record
Prior Sale	Mar 13, 2013 · Amount on Record
Deed Document Number	20181765104
Last Transfer Date	Jul 2, 2020
Transfer Doc	0001850015
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO WI
Recording Date	Apr 7, 2026
Property Address	6399 DECORAH AVE, OSHKOSH, WI 54902-7633
Document Number	0001964716
Instrument Date	Apr 2, 2026
Instrument	20261964716
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6399 DECORAH AVE, OSHKOSH, WI 54902-7633

Mortgage

Document Number	0001964716,
Date	Apr 7, 2026
Instrument	20261964716

Lender

Name	COMMUNITY FIRST CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Apr 22, 2032

Interest

Rate	6%
Max Rate	-1%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINNEBAGO WI
Recording Date	Apr 29, 2021
Property Address	6399 DECORAH AVE, OSHKOSH, WI 54902-7633
Document Number	0001850015
Map Reference	DOC 1185494
Instrument Date	Jul 2, 2020
Instrument	1850015
Transaction Type	Transfer
Record Updated	Aug 4, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001850016
Date	Apr 29, 2021
Instrument	1850016

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Winnebago County
County Subdivision	Black Wolf Town
Unified School District	Oshkosh Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,307,100 (+61.77%) Land $319,000 Building $988,100
2024	$13,188.00 (-12.82%)	$808,000 (-) Land $253,500 Building $554,500
2023	$15,128.00 (+3.6%) Homeowner's exemption	$808,000 (-) Land $253,500 Building $554,500	$1,174,074 (+11.86%) Land $368,351 Building $805,723
2022	$14,603.00 Homeowner's exemption	$808,000 Land $253,500 Building $554,500	$1,049,618 Land $329,305 Building $720,313

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 March 26, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (1999–2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2004 · Severe Storms And 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 90% 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 61 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

Cell Coverage

5G (outdoors only) and 4G LTE

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