W255 Willard Rd, Spencer, WI 54479 Property Records

Clark County property record for W255 Willard Rd, Spencer, WI 54479

Property Summary

Property Type	Rural Home
Lot Size	40 acres (1,742,400 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (May 2021)
Tax Bill	$5,932 (2025)
Deeds & Mortgages	Oct 2020 Mortgage May 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`048.0255.000`

Property Details

APN / Parcel Number

Primary APN	`048.0255.000`
Alternative APNs	`142190` `164912` `244217`

Exterior

Lot Area	1,742,400 sqft (40 acres)

Location & Zoning

Account Number	244217
Street Address	W255 WILLARD RD
City	SPENCER
State	WI
Zip	54479-9035
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	NW-NE SEC 13 TWP 26 N R 1 E
Jurisdiction	CLARK WI
Township / Civil Division	SHERMAN
Census Block Group	1
Census Block	1019
Census Tract	950500

Owner

Source: Clark County records, as of February 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	W255 WILLARD RD, SPENCER, WI 54479-9035
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2020	Deed of Trust, Mortgage · VA Mortgage WATERSTONE MORTGAGE
May 31, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Sep 4, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Aug 10, 2017	Deed of Trust, Mortgage · VA Mortgage WATERSTONE MORTGAGE
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage ABBY BANK
May 21, 2021	Warranty Deed, Transfer · Conventional Mortgage ABBY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2021 · Amount on File
Deed Sale	May 21, 2021 · Amount on File
Deed Document Number	643127
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLARK WI
Property Address	W255 WILLARD RD, SPENCER, WI 54479-9035
Transaction Type	Mortgage
Record Updated	Apr 24, 2023
Title Company	MIDWEST PRFD TITLE, MIDWEST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000638766
Date	Oct 16, 2020
Instrument	638766

Lender

Name	WATERSTONE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLARK WI
Property Address	W255 WILLARD RD, SPENCER, WI 54479-9035
Transaction Type	Mortgage
Record Updated	Apr 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000624675
Date	May 31, 2018
Instrument	624675

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLARK WI
Property Address	W255 WILLARD RD, SPENCER, WI 54479-9035
Transaction Type	Mortgage
Record Updated	Apr 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000631336
Date	Sep 4, 2019
Instrument	631336

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Nov 1, 2047

Interest

Rate Type	Fixed Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLARK WI
Property Address	W255 WILLARD RD, SPENCER, WI 54479-9035
Transaction Type	Mortgage
Record Updated	Apr 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000620101
Date	Aug 10, 2017
Instrument	620101

Lender

Name	WATERSTONE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLARK WI
Property Address	W255 WILLARD RD, SPENCER, WI 54479-9035
Transaction Type	Mortgage
Record Updated	Apr 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000645931
Date	Sep 28, 2021
Instrument	645931

Lender

Name	ABBY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLARK WI
Recording Date	May 21, 2021
Property Address	W255 WILLARD RD, SPENCER, WI 54479-9035
Document Number	0000643127
Instrument Date	May 21, 2021
Instrument	643127
Transaction Type	Transfer
Record Updated	Apr 24, 2023
Title Company	GOWER ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	W255 WILLARD RD, SPENCER, WI 54479-9035

Mortgage

Document Number	0000643128
Date	May 21, 2021
Instrument	643128

Lender

Name	ABBY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.5%
Index	1-Year CMT
Margin	3

Tax Assessment & Valuation

Source: Clark County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Clark County
County Subdivision	Sherman Town
Unified School District	Spencer School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,932.00 (+27.41%) Homeowner's exemption	$248,200 (+0.61%) Land $17,000 Building $231,200	$391,400 (+32.59%)
2023	$4,656.00 Homeowner's exemption	$246,700 Land $15,500 Building $231,200	$295,200

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 28, 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	4 in force
Nearby Flood Claims	3 (1978–1980)
Most Recent Claim	Sep 1980 · tidal / storm surge

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	Low lower than 80% of the US · above 57% of Wisconsin
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Country Wireless Fixed Wireless	100 / 100
Frontier DSL	90 / 5

May also be available: T-Mobile.

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