820 Main St, Saint Cloud, WI 53079 Property Records

Fond Du Lac County property record for 820 Main St, Saint Cloud, WI 53079

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,396 sqft · built 1904
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$156,000 (Aug 2023)
Tax Bill	$2,495 (2025)
Deeds & Mortgages	Aug 2024 Construction Loan Oct 2012 Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`V08161999OP18400`

Property Details

APN / Parcel Number

Primary APN	`V08161999OP18400`
Alternative APN	`V08-16-19-99-OP-185-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,396 sqft Living Area
1st Floor Area	1,396 sqft
2nd Floor Area	468 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Architectural Style	Historical
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	124 ft deep x 96 ft wide
View / Lot	High Traffic Area
Garage Type	Detached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	820 MAIN ST
City	SAINT CLOUD
State	WI
Zip	53079-1466
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S25 T16N R19E ORIGINAL PLAT LOTS 2 & 3 BLK 10 EXC N 20' LOT 2
Legal Range	19E
Legal Township	16N
Legal Section	25
Legal Subdivision	ORIGINAL PLAT OF THE VILLAGE OF ST CLOUD
Legal Block	10
Legal Lot Number	2
Jurisdiction	FOND DU LAC WI
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	42100

Owner

Source: Fond Du Lac County assessment roll, as of March 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	820 MAIN ST, SAINT CLOUD, WI 53079-1466
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2024	Deed of Trust, Mortgage · Construction Mortgage NATIONAL EXCHANGE BANK & TRUST
Oct 3, 2012	Deed of Trust, Mortgage · Construction Mortgage NATIONAL EXCHANGE BANK AND TRUST
Apr 18, 2012	Deed of Trust, Mortgage · Construction Mortgage NATIONAL EXCHANGE BANK & TRUST
Apr 9, 2013	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL EXCHANGE BANK AND TRUST
Oct 21, 2025	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Aug 16, 2023	Intrafamily Transfer, Transfer
Aug 16, 2023	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 16, 2023 · Amount on Record
Deed Sale	Aug 16, 2023 · Amount on Record
Prior Sale	Aug 15, 2008 · Amount on Record
Deed Document Number	20231186763
Prior Transfer Date	Aug 14, 2023
Prior Transfer Doc	0001186763
Record Updated	Jun 8, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	820 MAIN ST, SAINT CLOUD, WI 53079-1466
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001198866
Date	Aug 15, 2024
Instrument	1198866

Lender

Name	NATIONAL EXCHANGE BANK & TRUST
Type	Bank
Address	FOND DU LAC, WI 54936

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 15, 2025

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	820 MAIN ST, SAINT CLOUD, WI 53079-1466
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001008780
Date	Oct 3, 2012
Instrument	1008780

Lender

Name	NATIONAL EXCHANGE BANK AND TRUST
Address	FOND DU LAC, WI 54936

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

April 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	820 MAIN ST, SAINT CLOUD, WI 53079-1466
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000998396
Date	Apr 18, 2012
Instrument	998396

Lender

Name	NATIONAL EXCHANGE BANK & TRUST
Address	FOND DU LAC, WI 54936

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

April 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	820 MAIN ST, SAINT CLOUD, WI 53079-1466
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001019994
Date	Apr 9, 2013
Instrument	1019994

Lender

Name	NATIONAL EXCHANGE BANK AND TRUST
Address	MOUNT CALVARY, WI 53057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2043

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Oct 21, 2025
Property Address	820 MAIN ST, SAINT CLOUD, WI 53079-1466
Document Number	0001215118
Instrument Date	Oct 16, 2025
Instrument	1215118
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	GUARANTY TITLE SERVICES, GUARANTY CLOSING & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,080.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	BOLL 820 MAIN ST, SAINT CLOUD, WI 53079-1466

Mortgage

Document Number	0001215119
Date	Oct 21, 2025
Instrument	1215119

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FOND DU LAC WI
Recording Date	Aug 16, 2023
Property Address	820 MAIN ST, SAINT CLOUD, WI 53079-1466
Document Number	0001186763
Instrument Date	Aug 14, 2023
Instrument	1186763
Transaction Type	Transfer
Record Updated	Sep 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 N MADISON ST, CHILTON, WI 53014-1247

August 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Aug 16, 2023
Property Address	820 MAIN ST, SAINT CLOUD, WI 53079-1466
Document Number	0001186764
Instrument Date	Aug 14, 2023
Instrument	1186764
Transaction Type	Transfer
Record Updated	Sep 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust

Tax Assessment & Valuation

Source: Fond Du Lac County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Fond Du Lac County
Municipality	St. Cloud Village
Unified School District	New Holstein School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,495.00 (+9.43%)	$124,100 (-) Land $11,900 Building $112,200	$194,057 (+11.46%) Land $18,608 Building $175,449
2024	$2,280.00 (-2.4%) Homeowner's exemption	$124,100 (-) Land $11,900 Building $112,200	$174,101 (+6.73%) Land $16,695 Building $157,406
2023	$2,336.00 (+1.96%) Homeowner's exemption	$124,100 (-) Land $11,900 Building $112,200	$163,116 (+4.59%) Land $15,641 Building $147,475
2022	$2,291.00 Homeowner's exemption	$124,100 Land $11,900 Building $112,200	$155,957 Land $14,955 Building $141,002

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 December 19, 2024

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

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 at the parcel

Drinking Water

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

Water System	ST CLOUD WATERWORKS serves 471 people · EPA ID WI4200477
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	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Bertram Communications Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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