704 Ferry St, Eau Claire, WI 54703 Property Records

Eau Claire County property record for 704 Ferry St, Eau Claire, WI 54703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,738 sqft · built 1868
Lot Size	0.382 acres (16,631 sqft)
Owner	Individual Name on Record
Last Sale	$129,100 (Aug 2017)
Tax Bill	$3,011 (2025)
Deeds & Mortgages	Aug 2026 Second Mortgage Sep 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-0003-000`

Property Details

APN / Parcel Number

Primary APN	`04-0003-000`
Alternative APNs	`18221-2-271025-004-2002` `221040003000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,738 sqft Living Area
Basement Area	884 sqft
Unfinished Basement	884 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1868
Effective Year Built	Effective 1868
Exterior Material	Vinyl
Lot Area	16,631 sqft (0.382 acres)
Lot Dimensions	168 ft deep x 86 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	704 FERRY ST
City	EAU CLAIRE
State	WI
Zip	54703-6035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PRT OF THE NTHLY PRT OF LOT 3 BLK 1 WM CANDALLS ADD DESC AS FOLLS BEG 17.5 FT S OF THE NW COR OF SAID LOT 3 THC ESTLY PRLL TO
Legal Range	10W
Legal Township	27N
Legal Section	25
Legal Subdivision	WM CANDALLS ADD
Legal Block	1
Legal Lot Number	3
Jurisdiction	EAU CLAIRE WI
Township / Civil Division	EAU CLAIRE
Census Block Group	3
Census Block	3016
Census Tract	1300

Owner

Source: Eau Claire County records, as of September 16, 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
Mailing Address	704 FERRY ST, EAU CLAIRE, WI 54703-6035
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WESTCONSIN CREDIT UNION
Sep 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage WESTCONSIN CU
Dec 20, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD
Apr 2, 2024	Deed of Trust, Mortgage · Conventional Mortgage WESTCONSIN CU
Aug 22, 2017	Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2017 · Amount on Record
Deed Sale	Aug 22, 2017 · Amount on Record
Prior Sale	Apr 18, 2011 · Amount on Record
Deed Document Number	20171150219
Prior Transfer Date	Dec 27, 2010
Prior Transfer Doc	0001043054
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAU CLAIRE WI
Recording Date	Aug 27, 2026
Property Address	704 FERRY ST, EAU CLAIRE, WI 54703-6035
Document Number	0001283736
Instrument Date	Aug 21, 2026
Instrument	20261283736
Transaction Type	Mortgage
Record Updated	Sep 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 FERRY ST, EAU CLAIRE, WI 54703-6035

Mortgage

Document Number	0001283736,
Date	Aug 27, 2026
Instrument	20261283736

Lender

Name	WESTCONSIN CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.88%
Initial Type	Adjustable Rate
Type Change Date	Sep 1, 2033
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAU CLAIRE WI
Property Address	704 FERRY ST, EAU CLAIRE, WI 54703-6035
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001236271
Date	Sep 6, 2022
Instrument	1236271

Lender

Name	WESTCONSIN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	1-Year CMT

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAU CLAIRE WI
Property Address	704 FERRY ST, EAU CLAIRE, WI 54703-6035
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001224997
Date	Dec 20, 2021
Instrument	1224997

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAU CLAIRE WI
Property Address	704 FERRY ST, EAU CLAIRE, WI 54703-6035
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001253382
Date	Apr 2, 2024
Instrument	1253382

Lender

Name	WESTCONSIN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

Interest

Rate Type	Fixed Rate
Rate	8.13%
Type Change Date	May 1, 2020
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	13.1%
Index	Other
Margin	4
Max Rate	13.1%

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	EAU CLAIRE WI
Recording Date	Aug 22, 2017
Property Address	704 FERRY ST, EAU CLAIRE, WI 54703-6035
Document Number	0001150219
Instrument Date	Aug 18, 2017
Instrument	1150219
Transaction Type	Transfer
Record Updated	May 24, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$387.30
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	704 FERRY ST, EAU CLAIRE, WI 54703-6035

Mortgage

Document Number	0001150220
Date	Aug 22, 2017
Instrument	1150220

Lender

Name	FLAGSTAR BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Eau Claire County assessment roll, as of April 23, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Eau Claire County
Municipality	Eau Claire City
Unified School District	Eau Claire Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,011.00	$159,800 (-) Land $31,800 Building $128,000	$209,000
2023		$159,800 (-) Land $31,800 Building $128,000
2022		$159,800 Land $31,800 Building $128,000

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 April 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1980)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 1980 · rainfall accumulation

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	EAU CLAIRE WATERWORKS serves 70,587 people · EPA ID WI6180230
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: 24-7 Telcom.

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