Jefferson County property record for 108 1/2 E Madison St, Waterloo, WI 53594
| Property Type | Commercial |
|---|---|
| Lot Size | 0.076 acres (3,311 sqft) |
| Owner | Company Name on File |
| Last Sale | $245,000 (May 2025) |
| Tax Bill | $2,574 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Aug 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 290-0813-0822-040 |
| Primary APN | 290-0813-0822-040 |
|---|
| Lot Area | 3,311 sqft (0.076 acres) |
|---|---|
| Lot Dimensions | 157 ft deep x 21 ft wide |
| Street Address | 108 1/2 E MADISON ST |
|---|---|
| City | WATERLOO |
| State | WI |
| Zip | 53594-1273 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | BEG NW/C LOT 5, E21FT, S157 FT, W21FT, N157FT TO POB. BEING PT OF LOTS 5&8, BLK 16 ORIG PLT |
| Legal Range | 13E |
| Legal Township | 08N |
| Legal Section | 08 |
| Legal Quarter | NW |
| Quarter-Quarter Section | NW |
| Legal Subdivision | C P MEADS |
| Legal Block | 16 |
| Legal Lot Number | 5 8 |
| Jurisdiction | JEFFERSON WI |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 100400 |
Source: Jefferson County records · APN 290-0813-0822-040
Assessment roll updated May 31, 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 | Company Name on File |
|---|---|
| Mailing Address | PO BOX 68, KIEL, WI 53042-0068 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Apr 16, 2024 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF DEERFIELD |
| Aug 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF DEERFIELD |
| Jan 24, 2020 | Deed of Trust, Mortgage BANK OF DEERFIELD |
| Jul 15, 2019 | Deed of Trust, Mortgage BANK OF DEERFIELD |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 27, 2025 · Amount on Record |
| Deed Sale | May 27, 2025 · Amount on Record |
| Prior Sale | Jul 24, 2006 · Amount on Record |
| Deed Document Number | 1495357 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WI |
| Property Address | 108 1/2 E MADISON ST, WATERLOO, WI 53594-1273 |
| Transaction Type | Mortgage |
| Record Updated | May 08, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0001483103 |
|---|---|
| Date | Apr 16, 2024 |
| Instrument | 1483103 |
| Name | BANK OF DEERFIELD |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WI |
| Property Address | 108 1/2 E MADISON ST, WATERLOO, WI 53594-1273 |
| Transaction Type | Mortgage |
| Record Updated | Sep 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001450201 |
|---|---|
| Date | Aug 12, 2021 |
| Instrument | 1450201 |
| Name | BANK OF DEERFIELD |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WI |
| Property Address | 108 1/2 E MADISON ST, WATERLOO, WI 53594-1273 |
| Document Number | 0001419976 |
| Instrument Date | Jan 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5400 WHALEN RD FITCHBURG WI 535751930, FITCHBURG, WI 53575-1930 |
| Document Number | 0001419976 |
|---|---|
| Date | Feb 03, 2020 |
| Instrument | 1419976 |
| Name | BANK OF DEERFIELD |
|---|---|
| Type | Bank |
| Address | DEERFIELD, WI 53531 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WI |
| Property Address | 108 1/2 E MADISON ST, WATERLOO, WI 53594-1273 |
| Document Number | 0001411714 |
| Instrument Date | Jul 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2019 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5400 WHALEN RD FITCHBURG WI 535751930, FITCHBURG, WI 53575-1930 |
| Document Number | 0001411714 |
|---|---|
| Date | Jul 22, 2019 |
| Instrument | 1411714 |
| Name | BANK OF DEERFIELD |
|---|---|
| Type | Bank |
| Address | DEERFIELD, WI 53531 |
| Amount | Amount Recorded |
|---|
Source: Jefferson County records · Assessment roll updated May 31, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Jefferson County |
| Municipality | Waterloo City |
| Unified School District | Waterloo School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,574.00 (+10.47%) Homeowner's exemption | $140,500 (+19.57%) Land $13,500 Building $127,000 | $155,000 |
| 2023 | $2,330.00 Homeowner's exemption | $117,500 Land $11,500 Building $106,000 |
Source: FEMA National Flood Hazard Layer as of November 5, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 11 (1979–2008) |
| Claims Outside the SFHA | 1 of 11 |
| Most Recent Claim | Jun 2008 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Bertram Communications Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Netwurx.
Based on FCC filings for 316 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO WATERWORKS serves 3,520 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line replacement Oct 2019 Lead public education Jan 2018 |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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