W6698 Reef Rd, Onalaska, WI 54650 Property Records

La Crosse County property record for W6698 Reef Rd, Onalaska, WI 54650

Property Summary

Property Type	Single Family Home
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Last Sale	$129,900 (Aug 2010)
Tax Bill	$2,517 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Apr 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`010-002523-000`

Property Details

APN / Parcel Number

Primary APN	`010-002523-000`
Alternative APNs	`10 2523 0` `15874`

Exterior

Lot Area	20,909 sqft (0.48 acres)

Location & Zoning

Account Number	15874
Old Parcel Number	10 2523 0
Street Address	W6698 REEF RD
City	ONALASKA
State	WI
Zip	54650-9440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL
Legal Description	SANDY KNOLLS LOT 2 BLOCK 5
Legal Range	07
Legal Township	17
Legal Section	29
Legal Quarter	NW
Quarter-Quarter Section	NE
Legal Block	5
Legal Lot Number	2
Jurisdiction	LA CROSSE WI
Township / Civil Division	ONALASKA
Census Block Group	2
Census Block	2036
Census Tract	10204

Owner

Source: La Crosse County records, as of February 16, 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	W6698 REEF RD, ONALASKA, WI 54650-9440
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2025	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE
Apr 17, 2024	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE
Apr 18, 2023	Deed of Trust, Mortgage · Line of Credit ALTRA FCU
Apr 12, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE
Jun 9, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE
Apr 7, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2010 · Amount on Record
Deed Sale	Aug 17, 2010 · Amount on Record
Prior Sale	Aug 17, 2010 · Amount on Record
Deed Document Number	0001555882
Last Transfer Date	Apr 7, 2021
Transfer Doc	0001769849
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	W6698 REEF RD, ONALASKA, WI 54650-9440
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001837823
Date	Aug 27, 2025
Instrument	1837823

Lender

Name	NATIONSTAR MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	W6698 REEF RD, ONALASKA, WI 54650-9440
Transaction Type	Mortgage
Record Updated	May 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001819138
Date	Apr 17, 2024
Instrument	1819138

Lender

Name	NATIONSTAR MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	W6698 REEF RD, ONALASKA, WI 54650-9440
Transaction Type	Mortgage
Record Updated	May 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001806706
Date	Apr 18, 2023
Instrument	1806706

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2053

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	W6698 REEF RD, ONALASKA, WI 54650-9440
Transaction Type	Mortgage
Record Updated	Apr 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001791996
Date	Apr 12, 2022
Instrument	1791996

Lender

Name	NATIONSTAR MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 1, 2047

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	W6698 REEF RD, ONALASKA, WI 54650-9440
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1774208
Date	Jun 9, 2021
Instrument	1774208

Lender

Name	NATIONSTAR MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LA CROSSE WI
Recording Date	Apr 7, 2021
Property Address	W6698 REEF RD, ONALASKA, WI 54650-9440
Document Number	0001769849
Instrument Date	Mar 1, 2021
Instrument	1769849
Transaction Type	Transfer
Record Updated	Feb 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: La Crosse County assessment roll, as of January 1, 2025

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	$2,517.00 (-3.16%) Homeowner's exemption	$171,600 (-) Land $28,800 Building $142,800	$286,600 (+67.02%)
2023	$2,599.00 Homeowner's exemption	$171,600 Land $28,800 Building $142,800	$171,600 Land $28,800 Building $142,800

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
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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