Marathon County property record for 703 E Hemlock St, Spencer, WI 54479
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.325 acres (14,157 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $210,000 (Sep 2022) |
| Tax Bill | $4,485 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Sep 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 181-2602-081-1022 |
| Primary APN | 181-2602-081-1022 |
|---|---|
| Alternative APN |
|
| Lot Area | 14,157 sqft (0.325 acres) |
|---|
| Street Address | 703 E HEMLOCK ST |
|---|---|
| City | SPENCER |
| State | WI |
| Zip | 54479-9551 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FREEMAN SUBDIVISION LOT 12 |
| Legal Range | 02 |
| Legal Township | 26 |
| Legal Section | 08 |
| Legal Quarter | SW |
| Legal Subdivision | FREEMAN SUBDIVISION |
| Legal Lot Number | 12 |
| Jurisdiction | MARATHON WI |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 2101 |
Source: Marathon County records, as of February 9, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 703 E HEMLOCK ST, SPENCER, WI 54479-9551 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Sep 16, 2022 | Warranty Deed, Transfer · Conventional Mortgage SIMPLICITY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2022 · Amount on Record |
| Deed Sale | Sep 16, 2022 · Amount on Record |
| Prior Sale | Jun 19, 2015 · Amount on Record |
| Deed Document Number | 1869708 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARATHON WI |
| Property Address | 703 E HEMLOCK ST, SPENCER, WI 54479-9551 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0001847117 |
|---|---|
| Date | Oct 6, 2021 |
| Instrument | 1847117 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARATHON WI |
| Recording Date | Sep 16, 2022 |
| Property Address | 703 E HEMLOCK ST, SPENCER, WI 54479-9551 |
| Document Number | 0001869708 |
| Instrument Date | Sep 14, 2022 |
| Instrument | 1869708 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2024 |
| Title Company | GOWEY ABSTRACT AND TITLE COMPANY, GOWEY ABSTRACT & TTL CO INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $630.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 703 E HEMLOCK ST, SPENCER, WI 54479-9551 |
| Document Number | 0001869709 |
|---|---|
| Date | Sep 16, 2022 |
| Instrument | 1869709 |
| Name | SIMPLICITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Oct 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.87% |
| Index | Other |
| Max Rate | 8.87% |
Source: Marathon County assessment roll, as of January 1, 2024
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Marathon County |
| Municipality | Spencer Village |
| Unified School District | Spencer School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,485.00 (+20.63%) | $223,400 (+0.63%) Land $14,200 Building $209,200 | $283,635 (+18.32%) Land $18,029 Building $265,606 |
| 2023 | $3,718.00 Homeowner's exemption | $222,000 Land $14,200 Building $207,800 | $239,722 Land $15,334 Building $224,388 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 18, 2026
| 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPENCER WATERWORKS serves 1,848 people · EPA ID WI7370108 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2023 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Country Wireless Fiber · Fixed Wireless | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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