644 Frederick St, Oshkosh, WI 54901 Property Records

Winnebago County property record for 644 Frederick St, Oshkosh, WI 54901

Property Summary

Property Type	Commercial
Details	9 bd · 2 ba · 2,336 sqft · built 1920
Lot Size	0.133 acres (5,778 sqft)
Owner	2 Individual Names on Record
Last Sale	$61,300 (Aug 2007)
Tax Bill	$6,118 (2024)
Deeds & Mortgages	Apr 2022 Line of Credit Apr 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-04460000`

Property Details

APN / Parcel Number

Primary APN	`07-04460000`
Alternative APN	`907-04460000`

Interior

Bedrooms	9 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,336 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Other
Lot Area	5,778 sqft (0.133 acres)
Lot Dimensions	107 ft deep x 54 ft wide

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	907-04460000
Street Address	644 FREDERICK ST
City	OSHKOSH
State	WI
Zip	54901-4458
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	R2
Legal Description	LOT 10 BLK B R PARKINSONS SUBD OF PART OF BLK 45
Legal Subdivision	BLK B R PARKINSONS SUBD
Legal Block	B,45
Legal Lot Number	10
Jurisdiction	WINNEBAGO WI
Township / Civil Division	OSHKOSH
Census Block Group	4
Census Block	4007
Census Tract	502

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	1729 BERNHEIM ST, OSHKOSH, WI 54904-8967
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Deed of Trust, Mortgage · Line of Credit FOX COMMUNITIES CU
Apr 11, 2022	Deed of Trust, Mortgage · Line of Credit FOX COMMUNITIES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2007 · Amount on Record
Deed Sale	Aug 22, 2007 · Amount on Record
Prior Sale	Aug 2, 2007 · Amount on Record
Deed Document Number	20071446025
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO WI
Property Address	644 FREDERICK ST, OSHKOSH, WI 54901-4458
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001879830
Date	Apr 11, 2022
Instrument	1879830

Lender

Name	FOX COMMUNITIES CU
Type	Credit Union
Address	APPLETON, WI 54915

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO WI
Property Address	644 FREDERICK ST, OSHKOSH, WI 54901-4458
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001879828
Date	Apr 11, 2022
Instrument	1879828

Lender

Name	FOX COMMUNITIES CU
Type	Credit Union
Address	APPLETON, WI 54915

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Wisconsin
County	Winnebago County
Municipality	Oshkosh City
Unified School District	Oshkosh Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$74,200 (+0.82%) Land $15,000 Building $59,200
2024	$6,118.00 (-10.35%)
2023	$6,824.00 (+116.63%)	$73,600 (-) Land $14,400 Building $59,200	$106,353 Land $20,808 Building $85,545
2022	$3,150.00	$73,600 Land $14,400 Building $59,200

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

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	Not rated no burnable land within 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	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

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 763 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Bertram Communications Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: TDS Telecom.

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