820 E 16th St S, Ladysmith, WI 54848 Property Records

Rusk County property record for 820 E 16th St S, Ladysmith, WI 54848

Property Summary

Property Type	Single Family Home
Lot Size	14.5 acres (631,620 sqft)
Owner	Individual Name on Record
Tax Bill	$2,407 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`246-03532-0010`

Property Details

APN / Parcel Number

Primary APN	`246-03532-0010`

Exterior

Lot Area	631,620 sqft (14.5 acres)

Location & Zoning

Street Address	820 E 16TH ST S
City	LADYSMITH
State	WI
Zip	54848-1620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LADYSMITH PARCELS PART OF GOVT LOT 5 2-34-6 VOLUME 537 PAGE 812
Legal Range	06W
Legal Township	34N
Legal Section	02
Legal Quarter	SW
Quarter-Quarter Section	NE
Legal Lot Number	5
Jurisdiction	RUSK WI
Township / Civil Division	LADYSMITH
Census Block Group	3
Census Block	3031
Census Tract	960500

Owner

Source: Rusk County records, as of February 2, 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	820 E 16TH ST S, LADYSMITH, WI 54848-1620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2010
Deed Sale	Mar 12, 2010
Deed Document Number	319403
Deed Book / Page	537 / 812
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK WI
Property Address	820 E 16TH ST S, LADYSMITH, WI 54848-1620
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	357007
Date	Oct 2, 2020
Instrument	357007

Lender

Name	LADYSMITH FEDL SAVINGS & LOAN
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2040

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Rusk County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Rusk County
Municipality	Ladysmith City
Unified School District	Ladysmith School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,407.00 (+25.56%) Homeowner's exemption	$86,900 (-) Land $27,500 Building $59,400	$148,500 (+36.87%)
2023	$1,917.00 Homeowner's exemption	$86,900 Land $27,500 Building $59,400	$108,500

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 February 1, 2019

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

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LADYSMITH WATERWORKS serves 3,184 people · EPA ID WI8550131
Water Source	Groundwater
Last State Inspection	Mar 2025
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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20