915 E 7th St S, Ladysmith, WI 54848 Property Records

Rusk County property record for 915 E 7th St S, Ladysmith, WI 54848

Property Summary

Property Type	Single Family Home
Lot Size	0.73 acres (31,799 sqft)
Owner	Individual Name on File
Last Sale	$133,000 (Nov 2019)
Tax Bill	$2,628 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`246-02007-0000`

Property Details

APN / Parcel Number

Primary APN	`246-02007-0000`

Exterior

Lot Area	31,799 sqft (0.73 acres)

Location & Zoning

Street Address	915 E 7TH ST S
City	LADYSMITH
State	WI
Zip	54848-2313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LADYSMITH ASSESSOR PLAT 4 LOT 139 DOCUMENT # 353443
Legal Range	06W
Legal Township	34N
Legal Section	03
Legal Subdivision	LADYSMITH AP NO 4
Legal Lot Number	139
Jurisdiction	RUSK WI
Township / Civil Division	LADYSMITH
Census Block Group	3
Census Block	3019
Census Tract	960500

Owner

Source: Rusk County assessment roll, as of February 3, 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 File
Mailing Address	915 E 7TH ST S, LADYSMITH, WI 54848-2313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2019	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP
Jun 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE CU
Oct 15, 2018	Deed of Trust, Mortgage · ARM HERITAGE CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 1, 2019 · Amount on Record
Deed Sale	Nov 1, 2019 · Amount on Record
Prior Sale	Apr 4, 2008 · Amount on Record
Deed Document Number	2019353443
Prior Transfer Date	Jun 29, 2015
Prior Transfer Doc	000606/017
Record Updated	Jun 8, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUSK WI
Recording Date	Nov 1, 2019
Property Address	915 E 7TH ST S, LADYSMITH, WI 54848-2313
Document Number	0000353443
Instrument Date	Nov 1, 2019
Instrument	353443
Transaction Type	Transfer
Record Updated	Feb 7, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$399.00
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	0000353444
Date	Nov 1, 2019
Instrument	353444

Lender

Name	ACADEMY MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK WI
Property Address	915 E 7TH ST S, LADYSMITH, WI 54848-2313
Transaction Type	Mortgage
Record Updated	Jun 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	351860
Date	Jun 11, 2019
Instrument	351860

Lender

Name	HERITAGE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jun 10, 2026

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK WI
Property Address	915 E 7TH ST S, LADYSMITH, WI 54848-2313
Transaction Type	Mortgage
Record Updated	Oct 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	644/491
Date	Oct 15, 2018
Book Page	644/491
Instrument	349790

Lender

Name	HERITAGE CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2033

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	4.2%
Max Rate At Change	5.87%
Index	1-Year CMT

Tax Assessment & Valuation

Source: Rusk County assessment roll, as of February 3, 2026

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	$2,628.00 (+17.43%)	$87,600 (-) Land $15,600 Building $72,000	$149,700 (+36.84%)
2023	$2,238.00	$87,600 Land $15,600 Building $72,000	$109,400

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
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	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 345 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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