In case the mortgagor, the mortgagor’s heirs, representatives or assigns shall desire to pay a portion of such judgment, taxes, interest and costs, so as to relieve any distinct lot or parcel of the premises which can be sold separately under such judgment from the lien thereof and of such mortgage thereon, the court, on application of such person and on notice to the parties to the action, may, if the amount to be paid therefor is not agreed upon, ascertain and adjudge the proportion of such judgment, taxes, interest and costs to be paid for the purpose aforesaid; and when the amount so adjudged shall be paid as aforesaid it shall relieve such distinct lot or parcel from such judgment and the lien of such mortgage thereon and shall satisfy such judgment to the amount so paid. Any heir, devisee, grantee or assignee of the mortgagor, owning an undivided interest in the mortgaged premises, subject to the lien of the mortgage, may redeem such undivided interest from such judgment and the lien of the mortgage thereon by paying as aforesaid a sum that will bear the same proportion to the whole of such judgment, taxes, costs and interest as the interest proposed to be redeemed bears to the whole of the mortgaged premises.
846.14.Redemption of part.
Ch. 846: Real Estate Foreclosure · Last amended 1993 · Last verified July 15, 2026
In one sentenceSection 846.14 lets a mortgagor, heir, or other interest-holder pay only a proportional share of a Wisconsin foreclosure judgment to free a specific, separately sellable lot or an undivided interest from the judgment and mortgage lien, with the court setting the amount if the parties cannot agree.
Full Text of Section 846.14
Plain-English Summary
Section 846.14 allows a partial redemption instead of an all-or-nothing payoff. If the mortgagor, or the mortgagor’s heirs, representatives, or assigns, wants to pay only enough of the judgment, taxes, interest, and costs to free a distinct lot or parcel that could be sold separately under the judgment, the court can help set the price. On application, and after notice to the other parties, the court ascertains and adjudges the proportional amount to pay, if the parties have not already agreed on it.
Once that adjudged amount is paid, the specific lot or parcel is relieved from the judgment and the mortgage lien, and the judgment is satisfied to the extent of that payment.
The same proportional approach extends to fractional ownership. An heir, devisee, grantee, or assignee of the mortgagor who owns only an undivided interest in the mortgaged premises can redeem that interest alone, by paying a sum proportional to what that interest represents of the whole property.
Frequently Asked Questions
Can I redeem just one parcel of a larger mortgaged property instead of paying off the whole judgment?
Yes, if that parcel can be sold separately under the judgment, Section 846.14 allows a payment proportional to just that parcel.
Who decides how much I owe to free just one parcel?
The parties can agree on the amount themselves, or, on application and notice to the other parties, the court ascertains and adjudges the proportional amount.
What happens once I pay the court-set amount for my parcel?
That lot or parcel is relieved from the judgment and the mortgage lien, and the judgment is satisfied to the extent of the amount paid.
Can someone who owns only a partial interest in the property redeem their share alone?
Yes, an heir, devisee, grantee, or assignee owning an undivided interest may redeem it by paying a sum proportional to that interest’s share of the whole mortgaged premises.
Do I have to notify the other parties before asking the court to set a partial redemption amount?
Yes, the application requires notice to the parties to the action.
Amendment History
History: 1973 c. 189 s. 7; Stats. 1973 s. 816.14; Sup. Ct. Order, 67 Wis. 2d 585, 768 (1975); Stats. 1975 s. 846.14; 1993 a. 486.
Source & verification. Section text and official notes are
reproduced verbatim from the Wisconsin Statutes, published by the
Wisconsin Legislature (Legislative Reference Bureau). Last verified July 15, 2026.
· Official source
Also known as: wisconsin partial redemption mortgageredeem one parcel foreclosure wisconsin846.14 wisconsin statuteundivided interest redemption wisconsin foreclosure