746 Central St, Oshkosh, WI 54901 Property Records

Winnebago County property record for 746 Central St, Oshkosh, WI 54901

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,340 sqft · built 1920
Lot Size	0.134 acres (5,814 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Dec 2024)
Tax Bill	$2,710 (2024)
Deeds & Mortgages	Jul 2023 Sale & Line of Credit Dec 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10-04550000`

Property Details

APN / Parcel Number

Primary APN	`10-04550000`
Alternative APN	`910-04550000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,340 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Lot Area	5,814 sqft (0.134 acres)
Lot Dimensions	102 ft deep x 57 ft wide
Garage Type	Detached
Garage Area	560 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	910-04550000
Street Address	746 CENTRAL ST
City	OSHKOSH
State	WI
Zip	54901-4402
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Description	W 102 FT OF LOT 9 BLK 72 GOTT READ & EIGHMES ADDN
Legal Subdivision	GOTT READ AND EIGHMES ADDITION
Legal Block	72
Legal Lot Number	9
Jurisdiction	WINNEBAGO WI
Township / Civil Division	OSHKOSH
Census Block Group	4
Census Block	4001
Census Tract	502

Owner

746 Central St, a duplex, is owned and occupied by an individual who bought it in December 2024.

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

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

Owner of Record	Individual Name on File
Mailing Address	746 CENTRAL ST, OSHKOSH, WI 54901-4402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2023	Warranty Deed, Transfer · Line of Credit WEST POINTE BANK
Dec 27, 2022	Deed of Trust, Mortgage · Line of Credit CAPITAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2024 · Amount on File
Deed Sale	Dec 10, 2024 · Amount on File
Prior Sale	Jul 20, 2023 · Amount on File
Deed Document Number	20241935761
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO WI
Recording Date	Jul 20, 2023
Property Address	746 CENTRAL ST, OSHKOSH, WI 54901-4402
Document Number	0001907142
Instrument Date	Jul 19, 2023
Instrument	1907142
Transaction Type	Transfer
Record Updated	Aug 11, 2023
Title Company	GOWEY ABSTRACT AND TITLE COMPANY, GOWEY ABSTRACT & TTL CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$408.30
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 102, OAKFIELD, WI 53065-0102

Mortgage

Document Number	0001907143
Date	Jul 20, 2023
Instrument	1907143

Lender

Name	WEST POINTE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Jul 25, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO WI
Property Address	746 CENTRAL ST, OSHKOSH, WI 54901-4402
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001896989
Date	Dec 27, 2022
Instrument	1896989

Lender

Name	CAPITAL CU
Type	Credit Union
Address	GREEN BAY, WI 54306

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$143,400 Land $22,500 Building $120,900
2024	$2,710.00 (-10.38%)
2023	$3,024.00 (-6.58%)	$102,000 (-) Land $14,000 Building $88,000	$147,392 Land $20,230 Building $127,162
2022	$3,237.00 (-12.94%)	$102,000 (-) Land $14,000 Building $88,000
2021	$3,718.00	$102,000 Land $14,000 Building $88,000

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

Flood

FEMA maps place 746 Central St in Zone X, an area of minimal flood risk.

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

The area around 746 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	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 Fixed Wireless	100 / 20

May also be available: TDS Telecom.

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