908 Spruce Dr, Hudson, WI 54016 Property Records

St. Croix County property record for 908 Spruce Dr, Hudson, WI 54016

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,000 sqft · built 1999
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Jul 2020)
Tax Bill	$8,168 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`236-1978-20-000`

Property Details

APN / Parcel Number

Primary APN	`236-1978-20-000`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,000 sqft Living Area
1st Floor Area	988 sqft
2nd Floor Area	1,012 sqft
Basement Area	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	185 ft deep x 103 ft wide
Garage Type	Attached
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	908 SPRUCE DR
City	HUDSON
State	WI
Zip	54016-1892
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	JACOBSON'S WOODS LOT 20
Legal Range	19W
Legal Township	29N
Legal Section	19
Legal Subdivision	JACOBSON'S WOODS
Legal Lot Number	20
Jurisdiction	ST CROIX WI
Township / Civil Division	HUDSON
Census Block Group	1
Census Block	1024
Census Tract	120201

Owner

908 Spruce Dr is owned and occupied by two individuals who bought it in July 2020.

Source: St. Croix County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	908 SPRUCE DR, HUDSON, WI 54016-1892
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT COM LLC
Jul 23, 2020	Warranty Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2020 · Amount on File
Deed Sale	Jul 23, 2020 · Amount on File
Deed Document Number	20201107707
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	908 SPRUCE DR, HUDSON, WI 54016-1892
Transaction Type	Mortgage
Record Updated	Dec 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001143666
Date	Nov 19, 2021
Instrument	1143666

Lender

Name	LOANDEPOT COM LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CROIX WI
Recording Date	Jul 23, 2020
Property Address	908 SPRUCE DR, HUDSON, WI 54016-1892
Document Number	0001107707
Instrument Date	Jun 26, 2020
Instrument	1107707
Transaction Type	Transfer
Record Updated	Feb 3, 2022
Title Company	TITLE ONE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,245.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001107708
Date	Jul 23, 2020
Instrument	1107708

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 908 Spruce Dr was $8,168 with a homeowner's exemption.

Source: St. Croix County assessment roll, as of February 20, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	St. Croix County
Municipality	Hudson City
Unified School District	Hudson School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,168.00 Homeowner's exemption
2025	$8,168.00 Homeowner's exemption	$511,300 Land $113,400 Building $397,900	$511,300 Land $113,400 Building $397,900
2023	$6,688.00 Homeowner's exemption	$415,900 Land $76,800 Building $339,100	$415,900 Land $76,800 Building $339,100

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

Flood

FEMA maps place 908 Spruce Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

Source: FEMA National Flood Hazard Layer, effective April 1, 2016 · 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	4 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Mar 2019 · river or lake flooding

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.

Wildfire

Wildfire risk around 908 Spruce Dr is low, with a 0.01% annual chance of 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	HUDSON WATERWORKS serves 18,558 people · EPA ID WI6560087
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	6 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 397 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Baldwin Telecom.

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