651 Central St, Oshkosh, WI 54901 Property Records

Winnebago County property record for 651 Central St, Oshkosh, WI 54901

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,814 sqft · built 1920
Lot Size	0.128 acres (5,564 sqft)
Owner	Individual Name on File
Last Sale	$108,000 (Jun 2023)
Tax Bill	$3,319 (2024)
Deeds & Mortgages	Jun 2023 Sale May 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-04500000`

Property Details

APN / Parcel Number

Primary APN	`07-04500000`
Alternative APNs	`807-0450-0000` `907-04500000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,814 sqft Living Area
Gross Area	792 sqft
1st Floor Area	792 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1952
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	5,564 sqft (0.128 acres)
Lot Dimensions	133 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	240 sqft
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	807-0450-0000
Street Address	651 CENTRAL ST
City	OSHKOSH
State	WI
Zip	54901-4454
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2;TWO FAM
Legal Description	N 52 FT OF LOT 14 BLK B R PARKINSONS SUBD OF PART OF BLK 45
Legal Subdivision	PROGRESS PARK
Legal Block	B,45
Legal Lot Number	14
Jurisdiction	WINNEBAGO WI
Township / Civil Division	NEENAH
Census Block Group	1
Census Block	1013
Census Tract	3400

Owner

651 Central St is owned by an individual who bought it in June 2023.

Source: Winnebago County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	127 GRUENWALD AVE, NEENAH, WI 54956-2210
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2023	Warranty Deed, Transfer
May 3, 2021	Warranty Deed, Transfer
Jun 7, 2018	Warranty Deed, Construction Loan · Conventional with PMI PROSPERA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2023 · Amount on File
Deed Sale	Jun 22, 2023 · Amount on File
Prior Sale	May 3, 2021 · Amount on File
Deed Document Number	20231905606
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO WI
Recording Date	Jun 22, 2023
Property Address	127 GRUENWALD AVE, NEENAH, WI 54956-2210
Document Number	0001905606
Instrument Date	Jun 22, 2023
Instrument	1905606
Transaction Type	Transfer
Record Updated	Jul 12, 2023

Transaction

Amount	Amount on Record
Tax	$324.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 GRUENWALD AVE, NEENAH, WI 54956-2210

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO WI
Recording Date	May 3, 2021
Property Address	127 GRUENWALD AVE, NEENAH, WI 54956-2210
Document Number	0001850382
Instrument Date	Apr 29, 2021
Instrument	1850382
Transaction Type	Transfer
Record Updated	Jul 12, 2023

Transaction

Amount	Amount on Record
Tax	$291.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	180 DENHARDT AVE, NEENAH, WI 54956-2209

June 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO WI
Recording Date	Jun 7, 2018
Property Address	127 GRUENWALD AVE, NEENAH, WI 54956-2210
Document Number	0001767930
Instrument Date	Jun 7, 2018
Instrument	1767930
Transaction Type	Construction Loan
Record Updated	Jun 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 GRUENWALD AVE NEENAH WI 549562210, NEENAH, WI 54956-2210

Mortgage

Document Number	1767931
Date	Jun 7, 2018
Instrument	1767931

Lender

Name	PROSPERA CU
Type	Credit Union
Address	APPLETON, WI 54913

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$177,400 (-) Land $21,600 Building $155,800
2024	$3,319.00 (+114.82%)	$177,400 (+60.54%) Land $21,600 Building $155,800
2023	$1,545.00 (+6.04%) Homeowner's exemption	$110,500 (+38.99%) Land $26,000 Building $84,500	$110,373 Land $25,970 Building $84,403
2022	$1,457.00 Homeowner's exemption	$79,500 Land $23,500 Building $56,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 651 Central St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 26, 2019 · 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

The area around 651 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NEENAH WATERWORKS serves 27,506 people · EPA ID WI4710348
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	10 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 280 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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