640 3rd Ave S, Onalaska, WI 54650 Property Records

La Crosse County property record for 640 3rd Ave S, Onalaska, WI 54650

Property Summary

Property Type	Single Family Home
Lot Size	0.105 acres (4,617 sqft)
Owner	Individual Name on File
Tax Bill	$2,214 (2025)
Deeds & Mortgages	Sep 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`018-000617-004`

Property Details

APN / Parcel Number

Primary APN	`018-000617-004`
Alternative APN	`66390`

Exterior

Lot Area	4,617 sqft (0.105 acres)

Location & Zoning

Account Number	66390
Street Address	640 3RD AVE S
City	ONALASKA
State	WI
Zip	54650-3228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CERTIFIED SURVEY MAP NO. 21 VOL 15 LOT 1 DOC NO. 1566769
Legal Range	07
Legal Township	16
Legal Section	08
Legal Quarter	NE
Quarter-Quarter Section	SE
Legal Lot Number	1
Jurisdiction	LA CROSSE WI
Township / Civil Division	ONALASKA
Census Block Group	4
Census Block	4031
Census Tract	10500

Owner

Source: La Crosse County records · APN 018-000617-004

Assessment roll updated January 1, 2025 · Last verified February 2026

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	901 ROSE ST, LA CROSSE, WI 54603-2633
Owner Type	Individual, Secondary Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 03, 2011
Deed Sale	Jan 03, 2011
Deed Document Number	1566769
Record Updated	Jun 08, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	640 3RD AVE S, ONALASKA, WI 54650-3228
Transaction Type	Mortgage
Record Updated	Oct 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001812884
Date	Sep 29, 2023
Instrument	1812884

Lender

Name	MERCHANTS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 01, 2028

Tax Assessment & Valuation

Source: La Crosse County records · Assessment roll updated January 1, 2025 · Last verified February 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,214.00 (+4.93%)	$164,900 (+31.92%) Land $23,100 Building $141,800	$166,800 (+33.44%)
2023	$2,110.00	$125,000 Land $23,100 Building $101,900	$125,000 Land $23,100 Building $101,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 3, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1997–2004)
Most Recent Claim	Aug 2004 · river or lake flooding

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Brightspeed, TDS Telecom.

Based on FCC filings for 271 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ONALASKA WATERWORKS serves 18,000 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.