970 Ridgeway St, Hammond, WI 54015 Property Records

St. Croix County property record for 970 Ridgeway St, Hammond, WI 54015

Property Summary

Property Type	Single Family Home
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,301 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`136-1018-80-000`

Property Details

APN / Parcel Number

Primary APN	`136-1018-80-000`
Alternative APN	`28.29.17.160`

Exterior

Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Street Address	970 RIDGEWAY ST
City	HAMMOND
State	WI
Zip	54015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 & S 1/2 LOT 5 BLK 7 THAYER ADD VIL HAMMOND
Legal Range	17W
Legal Township	29N
Legal Section	28
Legal Subdivision	THAYER ADD
Legal Block	7
Legal Lot Number	5,6
Jurisdiction	ST CROIX WI
Township / Civil Division	HAMMOND
Census Block Group	1
Census Block	1015
Census Tract	121000

Owner

Source: St. Croix County records, as of October 21, 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	PO BOX 286, HAMMOND, WI 54015-0286
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage WESTCONSIN CREDIT UNION
Apr 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage WESTCONSIN CREDIT UNION
Apr 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage WESTCONSIN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Recording Date	Apr 24, 2026
Property Address	970 RIDGEWAY ST, HAMMOND, WI 54015
Document Number	0001206482
Instrument Date	Apr 20, 2026
Instrument	20261206482
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001206482,
Date	Apr 24, 2026
Instrument	20261206482

Lender

Name	WESTCONSIN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Recording Date	Apr 24, 2026
Property Address	970 RIDGEWAY ST, HAMMOND, WI 54015
Document Number	0001206482
Instrument Date	Apr 20, 2026
Instrument	20261206482
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001206482,
Date	Apr 24, 2026
Instrument	20261206482

Lender

Name	WESTCONSIN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CROIX WI
Property Address	970 RIDGEWAY ST, HAMMOND, WI 54015
Document Number	0001101010
Instrument Date	Apr 17, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	970 RIDGEWAY ST HAMMOND WI 54015, HAMMOND, WI 54015

Mortgage

Document Number	0001101010
Date	Apr 23, 2020
Instrument	1101010

Lender

Name	WESTCONSIN CU
Type	Credit Union
Address	MENOMONIE, WI 54751

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 22, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Wisconsin
County	St. Croix County
Municipality	Hammond Village
Unified School District	St. Croix Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,301.00 Homeowner's exemption
2025	$3,301.00 (+6.42%) Homeowner's exemption	$154,100 (-) Land $31,400 Building $122,700	$154,100 (-) Land $31,400 Building $122,700
2023	$3,102.00 Homeowner's exemption	$154,100 Land $31,400 Building $122,700	$154,100 Land $31,400 Building $122,700

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 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	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.

Wildfire

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.

Drinking Water

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

Water System	HAMMOND WATERWORKS serves 1,884 people · EPA ID WI6560121
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	Under 1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 260 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Baldwin Telecom Fiber	8,000 / 8,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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