Winnebago County property record for 948 Cozy Ln, Oshkosh, WI 54901
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 956 sqft · built 1940 |
| Lot Size | 0.234 acres (10,200 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,000 (Aug 2022) |
| Tax Bill | $4,898 (2024) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 15-19627700 |
| Primary APN | 15-19627700 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 956 sqft Living Area |
| Gross Area | 300 sqft |
| 1st Floor Area | 1,066 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,200 sqft (0.234 acres) |
| Lot Dimensions | 170 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 300 sqft |
| Heating System | HVAC |
|---|
| Account Number | 915-19627700 |
|---|---|
| Street Address | 948 COZY LN |
| City | OSHKOSH |
| State | WI |
| Zip | 54901-1403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 77 BAY VIEW PARK |
| Legal Subdivision | BAY VIEW PARK |
| Legal Lot Number | 77 |
| Jurisdiction | WINNEBAGO WI |
| Township / Civil Division | OSHKOSH |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 1600 |
948 Cozy Ln is owned and occupied by an individual who bought it in August 2022.
Source: Winnebago County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 948 COZY LN, OSHKOSH, WI 54901-1403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 15, 2022 · Amount on File |
| Deed Sale | Aug 15, 2022 · Amount on File |
| Prior Sale | Apr 12, 2021 · Amount on File |
| Deed Document Number | 20221888839 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | Aug 15, 2022 |
| Property Address | 948 COZY LN, OSHKOSH, WI 54901-1403 |
| Document Number | 0001888839 |
| Instrument Date | Aug 10, 2022 |
| Instrument | 1888839 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $795.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 948 COZY LN, OSHKOSH, WI 54901-1403 |
| Document Number | 0001888840 |
|---|---|
| Date | Aug 15, 2022 |
| Instrument | 1888840 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO WI |
| Recording Date | Apr 12, 2021 |
| Property Address | 948 COZY LN, OSHKOSH, WI 54901-1403 |
| Document Number | 0001848236 |
| Instrument Date | Apr 9, 2021 |
| Instrument | 1848236 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2023 |
| Title Company | WARRANTY TITLE SERVICES INC, GUARANTY TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $493.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 948 COZY LN, OSHKOSH, WI 54901-1403 |
| Document Number | 0001848237 |
|---|---|
| Date | Apr 12, 2021 |
| Instrument | 1848237 |
| Name | CORNERSTONE HOME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
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 | $260,900 Land $54,100 Building $206,800 | ||
| 2024 | $4,898.00 (+28.56%) | ||
| 2023 | $3,810.00 (+6.78%) | $129,600 (+5.54%) Land $54,100 Building $75,500 | $187,275 Land $78,176 Building $109,099 |
| 2022 | $3,568.00 | $122,800 Land $54,100 Building $68,700 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 948 Cozy Ln in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 4 (1978–2010) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Jan 2010 · rainfall accumulation |
| Claims by Event |
|
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 risk around 948 Cozy Ln is low, with less than 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 97% of the US · lower than 92% of Wisconsin |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 127 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 |
| Bertram Communications Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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