109 West St, Ripon, WI 54971 Property Records

Fond Du Lac County property record for 109 West St, Ripon, WI 54971

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,304 sqft · built 1968
Lot Size	0.362 acres (15,769 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Dec 2025)
Tax Bill	$1,990 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`RIP-16-14-99-CE-592-00`

Property Details

APN / Parcel Number

Primary APN	`RIP-16-14-99-CE-592-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,304 sqft Living Area
1st Floor Area	1,304 sqft
Basement Area	1,304 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Metal
Roof Material	Composition Shingle
Lot Area	15,769 sqft (0.362 acres)
Lot Dimensions	14.4 ft deep x 10.5 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	109 WEST ST
City	RIPON
State	WI
Zip	54971-9257
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	8
Legal Description	S20 T16N R14E CERESCO PLAT THE N 105.50' OF LOT 2 CSM #62-1-62 LOC IN LOT 1 BLK 14
Legal Range	14E
Legal Township	16N
Legal Section	20
Legal Subdivision	CERESCO PLAT
Legal Block	14
Legal Lot Number	1-2
Jurisdiction	FOND DU LAC WI
Township / Civil Division	RIPON
Census Block Group	4
Census Block	4004
Census Tract	41600

Owner

Source: Fond Du Lac County records, as of October 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	109 WEST ST, RIPON, WI 54971-9257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage HORICON BANK
Dec 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage HORICON BANK
Dec 22, 2025	Personal Representative Deed, Transfer · Conventional Mortgage FORTIFI BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2025 · Amount on Record
Deed Sale	Dec 22, 2025 · Amount on Record
Deed Document Number	20251217624
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	109 WEST ST, RIPON, WI 54971-9257
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001135626
Date	Aug 26, 2020
Instrument	1135626

Lender

Name	HORICON BANK
Type	Bank
Address	HORICON, WI 53032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	109 WEST ST, RIPON, WI 54971-9257
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001107942
Date	Dec 21, 2018
Instrument	1107942

Lender

Name	HORICON BANK
Type	Bank
Address	HORICON, WI 53032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

December 2025: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Dec 22, 2025
Property Address	109 WEST ST, RIPON, WI 54971-9257
Document Number	0001217624
Map Reference	DOC 226223
Instrument Date	Dec 22, 2025
Instrument	1217624
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	GUARANTY TITLE SERVICES, GUARANTY CLOSING & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001217625
Date	Dec 22, 2025
Instrument	1217625

Lender

Name	FORTIFI BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

Source: Fond Du Lac County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Fond Du Lac County
Municipality	Ripon City
Unified School District	Ripon Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,990.00 (+10.31%)	$90,300 (-) Land $24,500 Building $65,800	$139,273 (+16.85%) Land $37,787 Building $101,486
2024	$1,804.00 (+4.88%) Homeowner's exemption	$90,300 (-) Land $24,500 Building $65,800	$119,185 (+12.35%) Land $32,337 Building $86,848
2023	$1,720.00 Homeowner's exemption	$90,300 Land $24,500 Building $65,800	$106,085 Land $28,783 Building $77,302

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 December 19, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 96% of the US · lower than 90% of Wisconsin
Wildfire Likelihood	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	RIPON WATER UTILITY serves 7,716 people · EPA ID WI4200476
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 ppb (2024) 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Bug Tussel Wireless Fiber	1,000 / 1,000

May also be available: Bertram Communications, T-Mobile, Verizon.

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