W12781 Willow Rd, Ripon, WI 54971 Property Records

Fond Du Lac County property record for W12781 Willow Rd, Ripon, WI 54971

Property Summary

Property Type	Single Family Home
Lot Size	3.48 acres (151,981 sqft)
Owner	Individual Name on File
Last Sale	$177,000 (Nov 2016)
Tax Bill	$3,000 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Jun 2021 Line of Credit + 11 more
Flood Zone	Zone X (minimal risk)
APN	`T17-16-14-26-12-002-00`

Property Details

APN / Parcel Number

Primary APN	`T17-16-14-26-12-002-00`

Exterior

Lot Area	151,981 sqft (3.48 acres)

Location & Zoning

Street Address	W12781 WILLOW RD
City	RIPON
State	WI
Zip	54971-9772
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S26 T16N R14E CSM #3254-17-140 LOC IN SE 1/4 SW 1/4
Legal Range	14E
Legal Township	16N
Legal Section	26
Legal Subdivision	CERTIFIED SURVEY MAP NO 3254
Jurisdiction	FOND DU LAC WI
Township / Civil Division	RIPON
Census Block Group	3
Census Block	3034
Census Tract	41500

Owner

W12781 Willow Rd is owned and occupied by an individual who bought it in November 2016.

Source: Fond Du Lac County records, as of March 26, 2026

Owner of Record	Individual Name on File
Mailing Address	W12781 WILLOW RD, RIPON, WI 54971-9772
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
Apr 2, 2024	Deed of Trust, Mortgage · Line of Credit VERVE A CU
Jun 7, 2021	Deed of Trust, Mortgage · Line of Credit SUMMIT CU
Nov 20, 2019	Deed of Trust, Mortgage · Line of Credit SUMMIT CU
Nov 16, 2011	Deed of Trust, Mortgage · Conventional Mortgage ANCHORBANK FSB
May 17, 2013	Deed of Trust, Mortgage · Conventional Mortgage ANCHORBANK FSB
Apr 2, 2009	Deed of Trust, Mortgage · Conventional Mortgage ANCHORBANK FSB
Jan 24, 2006	Deed of Trust, Mortgage · ARM FIRST RESIDENTIAL MORTGAGE NETWORK INC D
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERVE A CU
Jul 6, 2009	Deed of Trust, Mortgage · Line of Credit ANCHORBANK FSB
Jun 7, 2021	Deed of Trust, Mortgage · Line of Credit SUMMIT CU
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERVE A CU
Nov 20, 2019	Deed of Trust, Mortgage · Line of Credit SUMMIT CU
Sep 8, 2008	Special Warranty Deed, Transfer · Construction Mortgage AMERICAN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2016 · Amount on File
Deed Sale	Nov 1, 2016 · Amount on File
Prior Sale	Sep 8, 2008 · Amount on File
Deed Document Number	20161076166
Prior Transfer Date	Dec 23, 2013
Prior Transfer Doc	0001033086
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	W12781 WILLOW RD, RIPON, WI 54971-9772
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001194139
Date	Apr 2, 2024
Instrument	1194139

Lender

Name	VERVE A CU
Type	Credit Union
Address	OSHKOSH, WI 54903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	May 20, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	W12781 WILLOW RD, RIPON, WI 54971-9772
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001152401
Date	Jun 7, 2021
Instrument	1152401

Lender

Name	SUMMIT CU
Type	Credit Union
Address	COTTAGE GROVE, WI 53527

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 6, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	W12781 WILLOW RD, RIPON, WI 54971-9772
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001121926
Date	Nov 20, 2019
Instrument	1121926

Lender

Name	SUMMIT CU
Type	Credit Union
Address	COTTAGE GROVE, WI 53527

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	W12781 WILLOW RD, RIPON, WI 54971-9772
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000989445
Date	Nov 16, 2011
Instrument	989445

Lender

Name	ANCHORBANK FSB
Type	Bank
Address	MADISON, WI 53703

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2031

May 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	W12781 WILLOW RD, RIPON, WI 54971-9772
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001021981
Date	May 17, 2013
Instrument	1021981

Lender

Name	ANCHORBANK FSB
Type	Bank
Address	MADISON, WI 53703

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2028

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	W12781 WILLOW RD, RIPON, WI 54971-9772
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000934825
Date	Apr 2, 2009
Instrument	934825

Lender

Name	ANCHORBANK FSB
Type	Bank
Address	MADISON, WI 53703

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2039

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	W12781 WILLOW RD, RIPON, WI 54971-9772
Transaction Type	Mortgage
Record Updated	May 25, 2026
Title Company	REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SERVICES L

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000864791
Date	Jan 24, 2006
Instrument	864791

Lender

Name	FIRST RESIDENTIAL MORTGAGE NETWORK INC D
Address	LOUISVILLE, KY 40223

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2036

Interest

Rate Type	Adjustable Rate
Rate	10.1%
Type Change Date	Jan 23, 2009
Change Frequency	6 Months
Min Rate At Change	10.1%
Max Rate At Change	11.6%
Index	6-Month LIBOR
Max Rate	17.1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	W12781 WILLOW RD, RIPON, WI 54971-9772
Transaction Type	Mortgage
Record Updated	May 25, 2026
Title Company	SCHMITT TITLE, SCHMITT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001141109
Date	Nov 24, 2020
Instrument	1141109

Lender

Name	VERVE A CU
Type	Credit Union
Address	OSHKOSH, WI 54903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.24%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.24%
Index	1-Year CMT
Max Rate	9.24%

July 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	W12781 WILLOW RD, RIPON, WI 54971-9772
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000942454
Date	Jul 6, 2009
Instrument	942454

Lender

Name	ANCHORBANK FSB
Type	Bank
Address	MADISON, WI 53703

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	W12781 WILLOW RD, RIPON, WI 54971-9772
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1152401
Date	Jun 7, 2021
Instrument	1152401

Lender

Name	SUMMIT CU
Type	Credit Union
Address	COTTAGE GROVE, WI 53527

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 6, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	W12781 WILLOW RD, RIPON, WI 54971-9772
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	SCHMITT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1141109
Date	Nov 24, 2020
Instrument	1141109

Lender

Name	VERVE A CU
Type	Credit Union
Address	OSHKOSH, WI 54903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.24%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.24%
Index	1-Year CMT
Max Rate	9.24%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	W12781 WILLOW RD, RIPON, WI 54971-9772
Transaction Type	Mortgage
Record Updated	Dec 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1121926
Date	Nov 20, 2019
Instrument	1121926

Lender

Name	SUMMIT CU
Type	Credit Union
Address	COTTAGE GROVE, WI 53527

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2008: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Sep 8, 2008
Property Address	W12781 WILLOW RD, RIPON, WI 54971-9772
Document Number	0000923023
Instrument Date	Aug 15, 2008
Instrument	923023
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$298.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	W12781 WILLOW RD, RIPON, WI 54971-9772
Investor	Possibly a Property Investor

Mortgage

Document Number	0000923024
Date	Sep 8, 2008
Instrument	923024

Lender

Name	AMERICAN BANK
Type	Bank
Address	FOND DU LAC, WI 54936

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for W12781 Willow Rd was $3,000 with a homeowner's exemption.

Source: Fond Du Lac County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Fond Du Lac County
County Subdivision	Ripon Town
Unified School District	Ripon Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,000.00	$156,600 Land $29,500 Building $127,100	$253,906 Land $47,830 Building $206,076
2023	$2,930.00 Homeowner's exemption	$156,600 Land $29,500 Building $127,100	$209,117 Land $39,393 Building $169,724

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

Flood

FEMA maps place W12781 Willow Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 19, 2024 · 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

The area around W12781 Willow Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Bertram Communications Fixed Wireless	100 / 20

Nearby Properties on Willow Rd

Nearby Streets

All Ripon, WI Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures