112 1/2 E Madison St, Waterloo, WI 53594 Property Records

Jefferson County property record for 112 1/2 E Madison St, Waterloo, WI 53594

Property Summary

Property Type	Commercial
Lot Size	0.076 acres (3,311 sqft)
Owner	Company Name on File
Last Sale	$245,000 (May 2025)
Tax Bill	$2,208 (2025)
Deeds & Mortgages	Jun 2025 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0822-039`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0822-039`

Exterior

Lot Area	3,311 sqft (0.076 acres)
Lot Dimensions	157 ft deep x 21 ft wide

Location & Zoning

Street Address	112 1/2 E MADISON ST
City	WATERLOO
State	WI
Zip	53594-1273
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	BEG INTER S/L E MADISON ST & PT 60FT E OF E/L S MONROE ST E21FT, S157FT, W21FT, N157FT TO POB. BEING PT OF LOTS 5&8 BLK 16, O
Legal Range	13E
Legal Township	08N
Legal Section	08
Legal Quarter	NW
Quarter-Quarter Section	NW
Legal Subdivision	MEADS
Legal Block	16
Legal Lot Number	5,8 8
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1037
Census Tract	100400

Owner

Source: Jefferson County assessment roll, as of May 31, 2025

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

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2025	Deed of Trust, Mortgage · Commercial Mortgage HORICON STATE BANK
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

Assessor's Deed Record

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 8, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	112 1/2 E MADISON ST, WATERLOO, WI 53594-1273
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001495530
Date	Jun 2, 2025
Instrument	1495530

Lender

Name	HORICON STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	112 1/2 E MADISON ST, WATERLOO, WI 53594-1273
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001450201
Date	Aug 12, 2021
Instrument	1450201

Lender

Name	BANK OF DEERFIELD
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	112 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

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5400 WHALEN RD FITCHBURG WI 535751930, FITCHBURG, WI 53575-1930

Mortgage

Document Number	0001419976
Date	Feb 3, 2020
Instrument	1419976

Lender

Name	BANK OF DEERFIELD
Type	Bank
Address	DEERFIELD, WI 53531

Agreement

Amount	Amount Recorded

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	112 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

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5400 WHALEN RD FITCHBURG WI 535751930, FITCHBURG, WI 53575-1930

Mortgage

Document Number	0001411714
Date	Jul 22, 2019
Instrument	1411714

Lender

Name	BANK OF DEERFIELD
Type	Bank
Address	DEERFIELD, WI 53531

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Jefferson County
Municipality	Waterloo City
Unified School District	Waterloo School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,208.00 (+9.63%) Homeowner's exemption	$120,500 (+18.14%) Land $13,500 Building $107,000	$133,000
2023	$2,014.00 Homeowner's exemption	$102,000 Land $11,500 Building $90,500

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.

Flood

Source: FEMA National Flood Hazard Layer, effective November 5, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 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	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 10 claims

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	Not rated no burnable land within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO WATERWORKS serves 3,520 people · EPA ID WI1280115
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 316 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 / 50
Bertram Communications Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Netwurx.

Nearby Properties on E Madison St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures