Winnebago County property record for 645 Central St, Oshkosh, WI 54901
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 2,148 sqft · built 1920 |
| Lot Size | 0.133 acres (5,778 sqft) |
| Owner | Company Name on File |
| Last Sale | $535,000 (Jul 2025) |
| Tax Bill | $3,176 (2024) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-04490000 |
| Primary APN | 07-04490000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,148 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,778 sqft (0.133 acres) |
| Lot Dimensions | 107 ft deep x 54 ft wide |
| Garage Type | Detached |
| Garage Area | 462 sqft |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 907-04490000 |
|---|---|
| Street Address | 645 CENTRAL ST |
| City | OSHKOSH |
| State | WI |
| Zip | 54901-4454 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R2 |
| Legal Description | S 2 FT OF LOT 14 & N 52 FT OF LOT 13 BLK B R PARKINSONS SUBDOF PART OF BLK 45 |
| Legal Subdivision | RUEBEN PARKINSON SUBDIVISION |
| Legal Block | B,45 |
| Legal Lot Number | 14,13 |
| Jurisdiction | WINNEBAGO WI |
| Township / Civil Division | OSHKOSH |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 502 |
645 Central St, a duplex, is owned by a company that bought it in July 2025.
Source: Winnebago County records, as of May 27, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 162, WINNEBAGO, WI 54985-0162 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2025 · Amount on File |
| Deed Sale | Jul 1, 2025 · Amount on File |
| Prior Sale | Feb 17, 2016 · Amount on File |
| Deed Document Number | 20251947584 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Property Address | 645 CENTRAL ST, OSHKOSH, WI 54901-4454 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001853534 |
|---|---|
| Date | Jun 4, 2021 |
| Instrument | 1853534 |
| Name | WEST POINTE BANK |
|---|---|
| Type | Bank |
| Address | OSHKOSH, WI 54903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 59 Months |
| Due | May 8, 2026 |
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 | $168,000 Land $22,100 Building $145,900 | ||
| 2024 | $3,176.00 (+25.38%) | ||
| 2023 | $2,533.00 (+1.08%) | $85,500 (-) Land $13,800 Building $71,700 | $123,549 Land $19,941 Building $103,608 |
| 2022 | $2,506.00 | $85,500 Land $13,800 Building $71,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 645 Central St 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.
The area around 645 Central St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 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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