109 E School Rd, Cottage Grove, WI 53527 Property Records

Dane County property record for 109 E School Rd, Cottage Grove, WI 53527

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · built 2004
Lot Size	0.238 acres (10,367 sqft)
Owner	2 Individual Names on Record
Last Sale	$457,500 (Apr 2026)
Tax Bill	$6,913 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0711-044-2964-1`

Property Details

APN / Parcel Number

Primary APN	`0711-044-2964-1`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
1st Floor Area	1,410 sqft
Basement Area	1,108 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	10,367 sqft (0.238 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	109 E SCHOOL RD
City	COTTAGE GROVE
State	WI
Zip	53527-8947
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	QUARRY RIDGE ESTATES FIRST ADDN LOT 194
Legal Range	11E
Legal Township	07N
Legal Section	04
Legal Subdivision	QUARRY RIDGE ESTATES FIRST ADDN
Legal Block	29
Legal Lot Number	194
Jurisdiction	DANE WI
Township / Civil Division	COTTAGE GROVE
Census Block Group	1
Census Block	1048
Census Tract	12004

Owner

Source: Dane County records, as of July 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	109 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CU
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CU
Apr 20, 2026	Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK
Jan 31, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2026 · Amount on Record
Deed Sale	Apr 20, 2026 · Amount on Record
Prior Sale	Jan 31, 2017 · Amount on Record
Deed Document Number	20266093524
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	109 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005849834
Date	Jul 21, 2022
Instrument	5849834

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 20, 2052

Interest

Rate Type	Fixed Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	109 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005787346
Date	Nov 8, 2021
Instrument	5787346

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DANE WI
Recording Date	Apr 20, 2026
Property Address	109 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947
Document Number	0006093524
Instrument Date	Apr 17, 2026
Instrument	20266093524
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138,622.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	109 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947

Mortgage

Document Number	0006093525,
Date	Apr 20, 2026
Instrument	20266093525

Lender

Name	ASSOCIATED BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DANE WI
Recording Date	Jan 31, 2017
Property Address	109 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947
Document Number	0005303221
Instrument Date	Jan 27, 2017
Instrument	5303221
Transaction Type	Transfer
Record Updated	Dec 30, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947

Tax Assessment & Valuation

Source: Dane County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Dane County
Municipality	Cottage Grove Village
Unified School District	Monona Grove School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,913.00 (+10.73%) Homeowner's exemption	$282,000 (-) Land $84,000 Building $198,000	$401,600 (+16.24%)
2023		$282,000 (-) Land $84,000 Building $198,000	$345,500 (+15.01%)
2022	$6,243.00 Homeowner's exemption	$282,000 Land $84,000 Building $198,000	$300,400

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

Flood

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	3 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 94% of Wisconsin
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	COTTAGE GROVE WATERWORKS serves 9,345 people · EPA ID WI1130218
Water Source	Groundwater
Last State Inspection	Jan 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
UpNet WI Fixed Wireless	100 / 30
LiteWire Fixed Wireless	100 / 25
T-Mobile Fixed Wireless	100 / 20

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

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