Winnebago County property record for 821 Central St, Oshkosh, WI 54901
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,367 sqft · built 1920 |
| Lot Size | 0.073 acres (3,162 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,364 (2024) |
| Deeds & Mortgages | May 2018 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-05600000 |
| Primary APN | 10-05600000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,367 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,162 sqft (0.073 acres) |
| Lot Dimensions | 102 ft deep x 31 ft wide |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 910-05600000 |
|---|---|
| Street Address | 821 CENTRAL ST |
| City | OSHKOSH |
| State | WI |
| Zip | 54901-4403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | N1/2 OF LOT 4 BLK 78 GOTT READ & EIGHMES ADDN |
| Legal Subdivision | GOTT READ & EIGHMES ADD |
| Legal Block | 78 |
| Legal Lot Number | 4 |
| Jurisdiction | WINNEBAGO WI |
| Township / Civil Division | OSHKOSH |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 502 |
Source: Winnebago County records, as of May 27, 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 Record |
|---|---|
| Mailing Address | 821 CENTRAL ST, OSHKOSH, WI 54901-4403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Property Address | 821 CENTRAL ST, OSHKOSH, WI 54901-4403 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001766260 |
|---|---|
| Date | May 17, 2018 |
| Instrument | 1766260 |
| Name | ONE REVERSE MORTGAGE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | SAN DIEGO, CA 92121 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 972 Months |
| Due | May 26, 2099 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.02% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2019 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 5% |
| Index | 1-Year LIBOR |
| Margin | 2 |
| Max Rate | 5% |
Source: Winnebago County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Winnebago County |
| Municipality | Oshkosh City |
| Unified School District | Oshkosh Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $139,200 (+97.17%) Land $9,800 Building $129,400 | ||
| 2024 | $2,364.00 (+35.09%) | ||
| 2023 | $1,750.00 (-1.13%) Homeowner's exemption | $70,600 (-) Land $6,100 Building $64,500 | $102,019 Land $8,815 Building $93,204 |
| 2022 | $1,770.00 Homeowner's exemption | $70,600 Land $6,100 Building $64,500 |
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 March 26, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 777 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Bertram Communications Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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