996 E Lone Elm Ave, Oshkosh, WI 54902 Property Records

Winnebago County property record for 996 E Lone Elm Ave, Oshkosh, WI 54902

Property Summary

Property Type	Single Family Home
Lot Size	10.8 acres (471,755 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Dec 2015)
Tax Bill	$4,873 (2024)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`004-0531`

Property Details

APN / Parcel Number

Primary APN	`004-0531`
Alternative APN	`27753`

Exterior

Lot Area	471,755 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	27753
Street Address	996 LONE ELM AVE
City	OSHKOSH
State	WI
Zip	54902-9131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	PT SE SW DESC AS LOT 3 OF CSM-4352 10.83 A.
Legal Range	17E
Legal Township	17N
Legal Section	32
Legal Subdivision	CERTIFIED SURVEY MAP
Legal Lot Number	3
Jurisdiction	WINNEBAGO WI
Township / Civil Division	BLACK WOLF
Census Block Group	3
Census Block	3031
Census Tract	1900

Owner

996 E Lone Elm Ave is owned and occupied by two individuals who bought it in December 2015.

Source: Winnebago County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	996 LONE ELM AVE, OSHKOSH, WI 54902-9131
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Survivor

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2015 · Amount on File
Deed Sale	Dec 7, 2015 · Amount on File
Deed Document Number	20151702846
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO WI
Property Address	996 E LONE ELM AVE, OSHKOSH, WI 54902-9131
Transaction Type	Mortgage
Record Updated	Jun 26, 2023
Title Company	TITLE REVOLUTION, TITLE REVOLUTON LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001866568
Date	Oct 22, 2021
Instrument	1866568

Lender

Name	CORNERSTONE MORTGAGE
Type	Mortgage Company
Address	DE PERE, WI 54115

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Winnebago County
County Subdivision	Black Wolf Town
Unified School District	Oshkosh Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$507,100 Land $76,400 Building $430,700
2024	$4,873.00 (-11.09%)
2023	$5,481.00 (+2.07%) Homeowner's exemption	$302,600 (-) Land $33,100 Building $269,500	$438,098 (+11.86%) Land $46,498 Building $391,600
2022	$5,370.00 Homeowner's exemption	$302,600 Land $33,100 Building $269,500	$391,658 Land $41,569 Building $350,089

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

Flood

FEMA maps place 996 E Lone Elm Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 26, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (1999–2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2004 · Severe Storms And 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 996 E Lone Elm Ave is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 95% of Wisconsin
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Bertram Communications Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20