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Single Family ResidenceResidential
$256,311
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $154,500 on May 1, 2015

23965 HOWARD ST

INDEPENDENCE, WI 54747
0
Baths
0.6 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$256K
$225K low$287K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$154,500 · May 1, 2015
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$122,761
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$98,209
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.61%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$133,550
ROYAL CREDIT UNION · R · recorded Jul 15, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,930 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$232,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$18,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$213,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$250,071

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.110 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyTREMPEALEAU
Lot (acres)The size of the land the home sits on, from county records.0.60
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Independence Middle SchoolA-
Middle · Grades 6–8 · 1.1 mi
H
Independence High SchoolC-
High · Grades 9–12 · 1.1 mi
E
Independence Elementary SchoolC
Elementary · Grades PK–5 · 1.1 mi

District: Independence School District

Neighborhood · ZIP 54747These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.148
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.12

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.2,519
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.24 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,628
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,300
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.34 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

23965 Howard St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 81% of homes in Independence 54747

What homes are worth in Independence 54747

Each bar is how many homes fall in that price range. The marker is this home.

This home
$48K$400K

This home is worth more than 81% of homes in Independence 54747.

How it measures up in Independence 54747

The dot is this home. The mark in the middle is the typical home in Independence 54747.

Estimated value$256,311
CheaperTypical $171,481Pricier

Pricier than 81% of homes nearby

Lot size0.6 ac
SmallerTypical 0.5 acBigger

Bigger than 56% of homes nearby

How 23965 Howard St ranks against every home in each area.
MeasureThis homeIndependence 54747Trempealeau County
Estimated valuepricier than$256,31181% of homes60% of homes
Lot sizebigger than0.6 ac56% of homes46% of homes

About 23965 Howard St

How much is 23965 Howard St, Independence, WI worth?

The TopHap Estimate for 23965 Howard St, Independence, WI is $256,311 as of Jul 14, 2026. The likely range is $225,139 to $287,483. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 23965 Howard St, Independence, WI last sell?

23965 Howard St, Independence, WI last sold on May 1, 2015 for $154,500, according to the county's recorded deed.

What schools serve 23965 Howard St, Independence, WI?

23965 Howard St, Independence, WI is assigned to Independence Middle School (middle), rated A-; Independence High School (high), rated C-; Independence Elementary School (elementary), rated C. All sit in Independence School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 23965 Howard St, Independence, WI compare to other homes in Independence 54747?

Among the 848 homes in Independence 54747, it is worth more than 81% of them ($256,311 against a typical $171,481) and its lot is bigger than 56% of them (0.6 ac against a typical 0.5 ac). Measured against all of Trempealeau County, it is worth more than 60% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 23965 Howard St, Independence, WI?

The 2025 property tax bill for 23965 Howard St, Independence, WI was $4,930. The county assessed it at $232,800.

Closest homes

More homes in Independence 54747

Assigned schools

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