654 Central St, Oshkosh, WI 54901 Property Records

Winnebago County property record for 654 Central St, Oshkosh, WI 54901

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,358 sqft · built 1870
Lot Size	0.133 acres (5,778 sqft)
Owner	Company Name on File
Last Sale	$168,000 (Jun 2025)
Tax Bill	$3,544 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2025 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-04680000`

Property Details

APN / Parcel Number

Primary APN	`07-04680000`
Alternative APN	`907-04680000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Units	3 Units
Stories	2 Stories
Building Area	2,358 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Triplex
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	252 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	907-04680000
Street Address	654 CENTRAL ST
City	OSHKOSH
State	WI
Zip	54901-4455
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 8 BLK C R PARKINSONS SUBD OF PART OF BLK 45
Legal Subdivision	BLK C R PARKINSONS SUBD
Legal Block	C,45
Legal Lot Number	8
Jurisdiction	WINNEBAGO WI
Township / Civil Division	OSHKOSH
Census Block Group	4
Census Block	4008
Census Tract	502

Owner

Source: Winnebago County assessment roll, 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	Company Name on File
Mailing Address	PO BOX 1835, OSHKOSH, WI 54903-1835
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · Line of Credit WEST POINTE BANK
Jun 16, 2025	Warranty Deed, Transfer · Line of Credit WEST POINTE BANK
Nov 17, 2022	Warranty Deed, Transfer · Conventional Mortgage SETTLERS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 16, 2025 · Amount on Record
Deed Sale	Jun 16, 2025 · Amount on Record
Prior Sale	Nov 17, 2022 · Amount on Record
Deed Document Number	20251946518
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO WI
Recording Date	Jul 31, 2026
Property Address	654 CENTRAL ST, OSHKOSH, WI 54901-4455
Document Number	0001972353
Instrument Date	Jul 31, 2026
Instrument	20261972353
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	1511 OREGON ST, OSHKOSH, WI 54902-6919
Investor	Possibly a Property Investor

Mortgage

Document Number	0001972353,
Date	Jul 31, 2026
Instrument	20261972353

Lender

Name	WEST POINTE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Aug 15, 2029

Interest

Rate	6.75%
Max Rate	-1%

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO WI
Recording Date	Jun 16, 2025
Property Address	654 CENTRAL ST, OSHKOSH, WI 54901-4455
Document Number	0001946518
Instrument Date	Jun 13, 2025
Instrument	1946518
Transaction Type	Transfer
Record Updated	May 7, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$504.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1835, OSHKOSH, WI 54903-1835
Investor	Possibly a Property Investor

Mortgage

Document Number	0001946519
Date	Jun 16, 2025
Instrument	1946519

Lender

Name	WEST POINTE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Jun 15, 2027

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO WI
Recording Date	Nov 17, 2022
Property Address	654 CENTRAL ST, OSHKOSH, WI 54901-4455
Document Number	0001894971
Map Reference	MAP 1894
Instrument Date	Nov 16, 2022
Instrument	1894971
Transaction Type	Transfer
Record Updated	Jul 7, 2025
Title Company	KNIGHT BARRY TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 CENTRAL ST, OSHKOSH, WI 54901-4455

Mortgage

Document Number	0001894972
Date	Nov 17, 2022
Instrument	1894972

Lender

Name	SETTLERS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	9.75%
Index	Other
Max Rate	12.7%

Mortgage

Document Number	0001894996
Date	Nov 17, 2022
Instrument	1894996

Lender

Name	SETTLERS BANK
Type	Bank
Address	WINDSOR, WI 53598

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	Other
Max Rate	11.5%

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		$185,600 (+52.63%) Land $19,900 Building $165,700
2024	$3,544.00 (-2.69%)
2023	$3,642.00 (+10.67%) Homeowner's exemption	$121,600 (+9.55%) Land $12,400 Building $109,200	$175,714 Land $17,918 Building $157,796
2022	$3,291.00 Homeowner's exemption	$111,000 Land $12,400 Building $98,600

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

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 USA Fixed Wireless	100 / 20

May also be available: TDS Telecom.

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