10 Tern Cir, Madison, WI 53716 Property Records

Dane County property record for 10 Tern Cir, Madison, WI 53716

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,360 sqft · built 1999
Lot Size	0.217 acres (9,461 sqft)
Owner	Individual Name on File
Last Sale	$399,500 (Jul 2022)
Tax Bill	$6,939 (2024)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0710-142-1323-6`

Property Details

APN / Parcel Number

Primary APN	`0710-142-1323-6`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,360 sqft Living Area
1st Floor Area	1,328 sqft
Basement Area	1,316 sqft
Finished Basement	1,032 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	9,461 sqft (0.217 acres)
Terrain	Wooded
Garage Type	Attached
Garage Area	440 sqft
Driveway	Driveway
Driveway Area	120 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	100 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	10 TERN CIR
City	MADISON
State	WI
Zip	53716-4403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR-C2
Legal Description	RUSTIC TERRACES FIRST ADDITION, LOT 61
Legal Range	10
Legal Township	07
Legal Section	14
Legal Subdivision	RUSTIC TERRACES FIRST ADDITION
Legal Lot Number	61
Jurisdiction	DANE WI
Township / Civil Division	MADISON
Census Block Group	3
Census Block	3002
Census Tract	3100

Owner

10 Tern Cir is owned and occupied by an individual who bought it in July 2022.

Source: Dane County records, as of January 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	10 TERN CIR, MADISON, WI 53716-4403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2022	Deed, Transfer · Conventional Mortgage UNIVERSITY OF WISCONSIN CU
Oct 27, 2017	Deed, Transfer · ARM US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2022 · Amount on File
Deed Sale	Jul 25, 2022 · Amount on File
Prior Sale	Oct 27, 2017 · Amount on File
Deed Document Number	5850469
Record Updated	Jun 8, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DANE WI
Recording Date	Jul 25, 2022
Property Address	10 TERN CIR, MADISON, WI 53716-4403
Document Number	0005850469
Instrument Date	Jul 22, 2022
Instrument	5850469
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	NATIONS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,198.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 TERN CIR, MADISON, WI 53716-4403

Mortgage

Document Number	0005850470
Date	Jul 25, 2022
Instrument	5850470

Lender

Name	UNIVERSITY OF WISCONSIN CU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	3.75%

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	DANE WI
Recording Date	Oct 27, 2017
Property Address	10 TERN CIR, MADISON, WI 53716-4403
Document Number	0005367885
Instrument Date	Oct 23, 2017
Instrument	5367885
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$824.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust

Mortgage

Document Number	0005367886
Date	Oct 27, 2017
Instrument	5367886

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 26, 2017
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.15%
Index	1-Year CMT

Tax Assessment & Valuation

Source: Dane County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Dane County
Municipality	Madison City
Unified School District	Madison Metropolitan School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$411,900 Land $87,300 Building $324,600
2024	$6,939.00		$411,900
2023		$399,500 Land $82,200 Building $317,300
2022	$6,352.00

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

Flood

FEMA maps place 10 Tern Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 10 Tern Cir is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Wisconsin
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	MADISON WATER UTILITY serves 272,000 people · EPA ID WI1130224
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 462 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 / 35
LiteWire Fixed Wireless	100 / 25
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Bertram Communications, Four Lakes Broadband, Verizon.

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