W6681 Reef Rd, Onalaska, WI 54650 Property Records

La Crosse County property record for W6681 Reef Rd, Onalaska, WI 54650

Property Summary

Property Type	Single Family Home
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$1,000 (May 2015)
Tax Bill	$2,399 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-002490-000`

Property Details

APN / Parcel Number

Primary APN	`010-002490-000`
Alternative APNs	`10 2490 0` `15841`

Exterior

Lot Area	20,473 sqft (0.47 acres)

Location & Zoning

Street Address	W6681 REEF RD
City	ONALASKA
State	WI
Zip	54650-9441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL
Legal Description	SANDY KNOLLS LOT 3 BLOCK 3 SUBJ TO HTA IN V1198 P891
Legal Range	07W
Legal Township	17N
Legal Section	29
Legal Subdivision	SANDY KNOLLS
Legal Block	3
Legal Lot Number	3
Jurisdiction	LA CROSSE WI
Township / Civil Division	ONALASKA
Census Block Group	2
Census Block	2037
Census Tract	10204

Owner

Source: La Crosse County records, as of April 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	W6681 REEF RD, ONALASKA, WI 54650-9441
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage POST COMMUNITY CREDIT UNION
Oct 29, 2018	Deed of Trust, Mortgage · VA Mortgage FIRST COMMUNITY CU
Aug 12, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2015 · Amount on Record
Deed Sale	May 4, 2015 · Amount on Record
Prior Sale	Aug 25, 2011 · Amount on Record
Deed Document Number	20151655543
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Recording Date	Apr 2, 2026
Property Address	W6681 REEF RD, ONALASKA, WI 54650-9441
Document Number	0001846968
Instrument Date	Mar 27, 2026
Instrument	20261846968
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	W6681 REEF RD, ONALASKA, WI 54650-9441

Mortgage

Document Number	0001846968,
Date	Apr 2, 2026
Instrument	20261846968

Lender

Name	POST COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	5.98%
Max Rate	-1%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	W6681 REEF RD, ONALASKA, WI 54650-9441
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001718318
Date	Oct 29, 2018
Instrument	1718318

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	W6681 REEF RD, ONALASKA, WI 54650-9441
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001752220
Date	Aug 12, 2020
Instrument	1752220

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: La Crosse County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	La Crosse County
County Subdivision	Onalaska Town
Unified School District	Holmen School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,399.00 (+3.72%)	$152,700 (-) Land $28,200 Building $124,500	$255,100 (+67.06%)
2023	$2,313.00	$152,700 Land $28,200 Building $124,500	$152,700 Land $28,200 Building $124,500

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 3, 2023

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ONALASKA WATERWORKS serves 18,000 people · EPA ID WI6320327
Water Source	Groundwater
Last State Inspection	Dec 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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

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