Vernon County property record for 709 Derek Ln, Viroqua, WI 54665
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,000 (Sep 2020) |
| Tax Bill | $5,481 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 286-01775-0023 |
| Primary APN | 286-01775-0023 |
|---|---|
| Alternative APN |
|
| Lot Area | 10,019 sqft (0.23 acres) |
|---|
| Street Address | 709 DEREK LN |
|---|---|
| City | VIROQUA |
| State | WI |
| Zip | 54665-1963 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DREGNE ADDN LOT 5 BLOCK 3 EX THE NORTH 15- BEING PRT OF THE SE NW - AKA PRT OF OL 23 |
| Legal Subdivision | DREGNE ADDN |
| Legal Block | 3 |
| Legal Lot Number | 5 |
| Jurisdiction | VERNON WI |
| Township / Civil Division | VIROQUA |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 960400 |
Source: Vernon County records, as of February 20, 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 | 709 DEREK LN, VIROQUA, WI 54665-1963 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 25, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS FIRST BANK INC |
| Aug 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS FIRST BANK INC |
| Sep 1, 2020 | Warranty Deed, Transfer · Conventional Mortgage ROYAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2020 · Amount on Record |
| Deed Sale | Sep 1, 2020 · Amount on Record |
| Deed Document Number | 515832 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VERNON WI |
| Property Address | 709 DEREK LN, VIROQUA, WI 54665-1963 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 523983 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 523983 |
| Name | CITIZENS FIRST BANK INC |
|---|---|
| Type | Bank |
| Address | VIROQUA, WI 54665 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VERNON WI |
| Property Address | 709 DEREK LN, VIROQUA, WI 54665-1963 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 522842 |
|---|---|
| Date | Aug 24, 2021 |
| Instrument | 522842 |
| Name | CITIZENS FIRST BANK INC |
|---|---|
| Type | Bank |
| Address | VIROQUA, WI 54665 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VERNON WI |
| Recording Date | Sep 1, 2020 |
| Property Address | 709 DEREK LN, VIROQUA, WI 54665-1963 |
| Document Number | 0000515832 |
| Instrument Date | Aug 31, 2020 |
| Instrument | 515832 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $555.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 709 DEREK LN, VIROQUA, WI 54665-1963 |
| Document Number | 0000515833 |
|---|---|
| Date | Sep 1, 2020 |
| Instrument | 515833 |
| Name | ROYAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
Source: Vernon County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Vernon County |
| Municipality | Viroqua City |
| Unified School District | Viroqua Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,481.00 (+22.45%) | $345,700 (+69.54%) Land $43,500 Building $302,200 | $344,000 (+35.91%) |
| 2023 | $4,476.00 | $203,900 Land $27,900 Building $176,000 | $253,100 |
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 November 11, 2025
| 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 | Direct burnable vegetation |
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 | VIROQUA WATERWORKS serves 4,362 people · EPA ID WI6630263 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 4 ppb (2023) action level 15 ppb |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 345 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vernon Communications Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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