647 Winter St, Onalaska, WI 54650 Property Records

La Crosse County property record for 647 Winter St, Onalaska, WI 54650

Property Summary

Property Type	Single Family Home
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Jan 2026)
Tax Bill	$3,859 (2025)
Deeds & Mortgages	Aug 2010 Mortgage Aug 2012 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`018-003924-000`

Property Details

APN / Parcel Number

Primary APN	`018-003924-000`
Alternative APNs	`18 3924 0` `44142`

Exterior

Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	112 ft deep x 98 ft wide

Location & Zoning

Account Number	44142
Old Parcel Number	18 3924 0
Street Address	647 WINTER ST
City	ONALASKA
State	WI
Zip	54650-8537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIRST ADDN TO MAYFAIR ADDN LOT 54 T/W WA IN V461 P760
Legal Range	07
Legal Township	16
Legal Section	10
Legal Quarter	SW
Quarter-Quarter Section	SW
Legal Subdivision	FIRST ADDN TO MAYFAIR ADDN
Legal Lot Number	54
Jurisdiction	LA CROSSE WI
Township / Civil Division	ONALASKA
Census Block Group	1
Census Block	1038
Census Tract	10500

Owner

Source: La Crosse County records, as of March 5, 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 Record
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2010	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY CU
Aug 8, 2012	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY CREDIT UNION
Mar 14, 2007	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY CU
Mar 27, 2006	Deed of Trust, Mortgage COMMUNITY CU
Apr 24, 2015	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY CU
Jan 30, 2026	Warranty Deed, Transfer · Conventional Mortgage GOVERNMENTAL EMP CU
Sep 15, 2023	Warranty Deed, Transfer NEW CASTLE TITLE
Sep 5, 2017	Deed, Transfer · VA Mortgage ALTRA FCU
Aug 14, 2017	Deed, Transfer NEW CASTLE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2026 · Amount on Record
Deed Sale	Jan 30, 2026 · Amount on Record
Prior Sale	Sep 15, 2023 · Amount on Record
Deed Document Number	1844404
Record Updated	Jun 8, 2026

August 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	647 WINTER ST, ONALASKA, WI 54650-8537
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001555161
Date	Aug 6, 2010
Instrument	1555161

Lender

Name	COMMUNITY CU
Type	Credit Union
Address	LA CROSSE, WI 54601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2030

August 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	647 WINTER ST, ONALASKA, WI 54650-8537
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001602489
Date	Aug 8, 2012
Instrument	1602489

Lender

Name	COMMUNITY CREDIT UNION
Address	LA CROSSE, WI 54601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2042

March 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	647 WINTER ST, ONALASKA, WI 54650-8537
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001470050
Date	Mar 14, 2007
Instrument	1470050

Lender

Name	COMMUNITY CU
Type	Credit Union
Address	LA CROSSE, WI 54602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2027

March 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	647 WINTER ST, ONALASKA, WI 54650-8537
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001445518
Date	Mar 27, 2006
Instrument	1445518

Lender

Name	COMMUNITY CU
Type	Credit Union
Address	LA CROSSE, WI 54602

Agreement

Amount	Amount Recorded

April 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	647 WINTER ST, ONALASKA, WI 54650-8537
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001655156
Date	Apr 24, 2015
Instrument	1655156

Lender

Name	COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2045

Interest

Rate Type	Fixed Rate

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Jan 30, 2026
Property Address	647 WINTER ST, ONALASKA, WI 54650-8537
Document Number	0001844404
Instrument Date	Jan 30, 2026
Instrument	1844404
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	NEW CASTLE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001844405
Date	Jan 30, 2026
Instrument	1844405

Lender

Name	GOVERNMENTAL EMP CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Sep 15, 2023
Property Address	647 WINTER ST, ONALASKA, WI 54650-8537
Document Number	0001812295
Instrument Date	Sep 15, 2023
Instrument	1812295
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	NEW CASTLE TITLE

Transaction

Amount	Amount Recorded
Tax	$825.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	LA CROSSE WI
Recording Date	Sep 5, 2017
Property Address	647 WINTER ST, ONALASKA, WI 54650-8537
Document Number	0001698963
Instrument Date	Aug 28, 2017
Instrument	1698963
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 WINTER ST, ONALASKA, WI 54650-8537

Mortgage

Document Number	0001698964
Date	Sep 5, 2017
Instrument	1698964

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

Interest

Rate Type	Fixed Rate

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	LA CROSSE WI
Recording Date	Aug 14, 2017
Property Address	647 WINTER ST, ONALASKA, WI 54650-8537
Document Number	0001697987
Instrument Date	Aug 11, 2017
Instrument	1697987
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	NEW CASTLE TITLE

Transaction

Amount	Amount Recorded
Tax	$449.70
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: La Crosse County assessment roll, as of January 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,859.00 (+7.11%)	$283,500 (+32.85%) Land $37,100 Building $246,400	$286,700 (+34.35%)
2023	$3,603.00 (+4.22%) Homeowner's exemption	$213,400 (-) Land $37,100 Building $176,300	$213,400 (-) Land $37,100 Building $176,300
2022	$3,457.00 Homeowner's exemption	$213,400 Land $37,100 Building $176,300	$213,400 Land $37,100 Building $176,300

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 February 3, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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.

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	ONALASKA WATERWORKS serves 18,000 people · EPA ID WI6320327
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, 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 220 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Lynxx Networks.

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