646 Broad St, Oshkosh, WI 54901 Property Records

Winnebago County property record for 646 Broad St, Oshkosh, WI 54901

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,251 sqft · built 1896
Lot Size	0.115 acres (5,010 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (Apr 2021)
Tax Bill	$1,787 (2024)
Deeds & Mortgages	Jan 2023 Line of Credit Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-05720000`

Property Details

APN / Parcel Number

Primary APN	`04-05720000`
Alternative APNs	`804-0572-0000` `904-05720000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,251 sqft Living Area
Gross Area	2,100 sqft
1st Floor Area	1,050 sqft
Basement Area	1,050 sqft

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1951
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	5,010 sqft (0.115 acres)
Lot Dimensions	286 ft deep x 75 ft wide
View / Lot	Flood Plain
Garage Type	Detached
Garage Area	528 sqft
Deck Area	Deck Area
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	804-0572-0000
Street Address	646 BROAD ST
City	OSHKOSH
State	WI
Zip	54901-4637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1;SINGLE
Legal Description	N1/2 OF LOT 25 BLK 60 FORDS ADDN
Legal Subdivision	NEENAH SLOUGH ASSESSORS
Legal Block	60
Legal Lot Number	25
Jurisdiction	WINNEBAGO WI
Township / Civil Division	OSHKOSH
Census Block Group	2
Census Block	2002
Census Tract	200

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	646 BROAD ST, OSHKOSH, WI 54901-4637
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Deed of Trust, Mortgage · Line of Credit WINNEBAGO COMMUNITY CU
Apr 1, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage WINNEBAGO COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2021 · Amount on Record
Deed Sale	Apr 1, 2021 · Amount on Record
Deed Document Number	20211847297
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO WI
Property Address	646 BROAD ST, OSHKOSH, WI 54901-4637
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001898184
Date	Jan 20, 2023
Instrument	1898184

Lender

Name	WINNEBAGO COMMUNITY CU
Type	Credit Union
Address	OSHKOSH, WI 54903

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO WI
Recording Date	Apr 1, 2021
Property Address	646 BROAD ST, OSHKOSH, WI 54901-4637
Document Number	0001847297
Instrument Date	Mar 31, 2021
Instrument	1847297
Transaction Type	Transfer
Record Updated	Aug 4, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 BROAD ST, OSHKOSH, WI 54901-4637

Mortgage

Document Number	0001847298
Date	Apr 1, 2021
Instrument	1847298

Lender

Name	WINNEBAGO COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
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		$98,200 (+125.23%) Land $9,400 Building $88,800
2024	$1,787.00 (+54.72%)
2023	$1,155.00 (-27.95%) Homeowner's exemption	$43,600 (-) Land $5,600 Building $38,000	$164,312 Land $41,952 Building $122,360
2022	$1,603.00 Homeowner's exemption	$43,600 Land $5,600 Building $38,000

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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