643 Pine Ridge Ter, River Falls, WI 54022 Property Records

St. Croix County property record for 643 Pine Ridge Ter, River Falls, WI 54022

Property Summary

Property Type	Single Family Home
Lot Size	0.268 acres (11,709 sqft)
Owner	Individual Name on Record
Last Sale	$317,000 (Jun 2021)
Tax Bill	$6,023 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`276-1065-20-000`

Property Details

APN / Parcel Number

Primary APN	`276-1065-20-000`
Alternative APN	`36.28.19.467`

Exterior

Lot Area	11,709 sqft (0.268 acres)

Location & Zoning

Street Address	643 PINE RIDGE TER
City	RIVER FALLS
State	WI
Zip	54022-1230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 36 T28N R19W COLLINS ADD LOT 40 R.F.
Legal Range	19W
Legal Township	28N
Legal Section	36
Legal Subdivision	COLLINS ADD
Legal Lot Number	40
Jurisdiction	ST CROIX WI
Township / Civil Division	RIVER FALLS
Census Block Group	2
Census Block	2023
Census Tract	120901

Owner

Source: St. Croix County records, as of October 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	643 PINE RIDGE TER, RIVER FALLS, WI 54022-1230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2021	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Feb 28, 2018	Warranty Deed, Transfer WATERSTONE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2021 · Amount on Record
Deed Sale	Jun 25, 2021 · Amount on Record
Prior Sale	Feb 28, 2018 · Amount on Record
Deed Document Number	20211133395
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Jun 25, 2021
Property Address	643 PINE RIDGE TER, RIVER FALLS, WI 54022-1230
Document Number	0001133395
Instrument Date	Jun 13, 2021
Instrument	1133395
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	LEGACY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$951.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001133396
Date	Jun 25, 2021
Instrument	1133396

Lender

Name	CROSSCOUNTRY MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Feb 28, 2018
Property Address	643 PINE RIDGE TER, RIVER FALLS, WI 54022-1230
Document Number	0001061690
Instrument Date	Feb 28, 2018
Instrument	1061690
Transaction Type	Transfer
Record Updated	Mar 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$615.00
Additional	Notice of Foreclosure Sale 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	643 PINE RIDGE TER RIVER FALLS WI 540221230, RIVER FALLS, WI 54022-1230

Mortgage

Document Number	1061691
Date	Feb 28, 2018
Instrument	1061691

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2048

Tax Assessment & Valuation

Source: St. Croix County assessment roll, as of February 20, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	St. Croix County
Municipality	River Falls City
Unified School District	River Falls School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,023.00 (+0.02%) Homeowner's exemption
2025	$6,022.00 (+18.06%) Homeowner's exemption	$442,700 (+39.65%) Land $69,800 Building $372,900	$442,700 (+39.65%) Land $69,800 Building $372,900
2023	$5,101.00 Homeowner's exemption	$317,000 Land $51,700 Building $265,300	$317,000 Land $51,700 Building $265,300

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 April 1, 2016

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

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	RIVER FALLS WATERWORKS serves 16,000 people · EPA ID WI6480246
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 401 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Baldwin Telecom.

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