W8404 E Cut Off Rd, Ladysmith, WI 54848 Property Records

Rusk County property record for W8404 E Cut Off Rd, Ladysmith, WI 54848 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,930 sqft · built 2005
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Tax Bill	$5,075 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Jan 2017 Mortgage
Flood Zone	Zone A (high risk)
APN	`012-00205-0005`

Property Details

APN / Parcel Number

Primary APN	`012-00205-0005`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,930 sqft Living Area
1st Floor Area	1,580 sqft
Family Room	Family Room

Exterior

Year Built	Built 2005
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Lot Area	435,600 sqft (10 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Partial
Heating Fuel	Gas

Location & Zoning

Street Address	W8404 E CUT OFF RD
City	LADYSMITH
State	WI
Zip	54848-9626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE SW SW 10-35-6 VOLUME 482 PAGE 100
Legal Range	06W
Legal Township	35N
Legal Section	10
Legal Quarter	SW
Quarter-Quarter Section	SW
Jurisdiction	RUSK WI
Township / Civil Division	FLAMBEAU
Census Block Group	3
Census Block	3022
Census Tract	960100

Owner

Source: Rusk County records · APN 012-00205-0005

Assessment roll updated January 1, 2025 · Last verified February 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 File
Mailing Address	W8404 E CUT OFF RD, LADYSMITH, WI 54848-9626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2019	Deed of Trust, Mortgage · ARM CITIZENS COMMUNITY BANK
Jan 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS COMMUNITY BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK WI
Property Address	W8404 E CUT OFF RD, LADYSMITH, WI 54848-9626
Transaction Type	Mortgage
Record Updated	Oct 09, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	352961
Date	Sep 23, 2019
Instrument	352961

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	156 Months
Due	Jun 01, 2032

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 01, 2024
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	6.93%
Index	1-Year CMT
Margin	3

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK WI
Property Address	W8404 E CUT OFF RD, LADYSMITH, WI 54848-9626
Transaction Type	Mortgage
Record Updated	May 02, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	623/141
Date	Jan 11, 2017
Book Page	623/141
Instrument	343644

Lender

Name	CITIZENS COMMUNITY BANK
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Rusk County records · Assessment roll updated January 1, 2025 · Last verified February 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Rusk County
County Subdivision	Flambeau Town
Unified School District	Ladysmith School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,075.00 (+8.07%) Homeowner's exemption	$256,600 (+0.04%) Land $12,100 Building $244,500	$427,300 (+17.68%)
2023	$4,696.00 Homeowner's exemption	$256,500 Land $12,000 Building $244,500	$363,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rusk County (55107C), updated February 1, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)

Wildfire

Wildfire Risk	Low above 20% of the US · above 57% of Wisconsin
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 10 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Brightspeed. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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