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

Dane County property record for 115 E School Rd, Cottage Grove, WI 53527

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,372 sqft · built 2004
Lot Size	0.298 acres (12,981 sqft)
Owner	Individual Name on Record
Last Sale	$423,000 (Oct 2025)
Tax Bill	$6,511 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2022 Line of Credit + 8 more
Flood Zone	Zone X (minimal risk)
APN	`0711-044-2997-1`

Property Details

APN / Parcel Number

Primary APN	`0711-044-2997-1`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,372 sqft
Basement Area	1,316 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	12,981 sqft (0.298 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	115 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 197
Legal Range	11
Legal Township	07
Legal Section	04
Legal Subdivision	QUARRY RIDGE ESTATES FIRST ADD
Legal Block	29
Legal Lot Number	197
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 January 22, 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	115 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF WISCONSIN CU
Sep 30, 2022	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF WISCONSIN CU
Sep 15, 2023	Deed of Trust, Mortgage · Line of Credit SUMMIT CU
Apr 21, 2025	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF WISCONSIN CU
Feb 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF WISCONSIN CU
Oct 30, 2025	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF WISCONSIN CU
Nov 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK
Aug 31, 2020	Deed of Trust, Mortgage · Line of Credit UW CU
Aug 26, 2019	Deed of Trust, Mortgage · Line of Credit UW CU
Sep 20, 2018	Deed of Trust, Mortgage · Line of Credit UW CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2025 · Amount on Record
Deed Sale	Oct 30, 2025 · Amount on Record
Deed Document Number	6060358
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	115 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005772012
Date	Sep 17, 2021
Instrument	5772012

Lender

Name	UNIVERSITY OF WISCONSIN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2051

Interest

Rate Type	Fixed Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	115 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005865192
Date	Sep 30, 2022
Instrument	5865192

Lender

Name	UNIVERSITY OF WISCONSIN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2052

Interest

Rate Type	Fixed Rate

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	115 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005924243
Date	Sep 15, 2023
Instrument	5924243

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2053

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	115 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006022752
Date	Apr 21, 2025
Instrument	6022752

Lender

Name	UNIVERSITY OF WISCONSIN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2055

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	115 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947

Mortgage

Document Number	0006082334
Date	Feb 24, 2026
Instrument	6082334

Lender

Name	UNIVERSITY OF WISCONSIN CU
Type	Credit Union
Address	MADISON, WI 53744

Agreement

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

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DANE WI
Recording Date	Oct 30, 2025
Property Address	115 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947
Document Number	0006060358
Instrument Date	Oct 24, 2025
Instrument	6060358
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,269.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947

Mortgage

Document Number	0006060359
Date	Oct 30, 2025
Instrument	6060359

Lender

Name	UNIVERSITY OF WISCONSIN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Max Rate	10.8%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	115 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005373814
Date	Nov 27, 2017
Instrument	5373814

Lender

Name	ASSOCIATED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	115 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947
Document Number	0005636228
Instrument Date	Aug 31, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E SCHOOL RD COTTAGE GROVE WI 535278947, COTTAGE GROVE, WI 53527-8947

Mortgage

Document Number	0005636228
Date	Sep 14, 2020
Instrument	5636228

Lender

Name	UW CU
Type	Credit Union
Address	MADISON, WI 53744

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2050

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	115 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947
Document Number	0005519588
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 19, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E SCHOOL RD COTTAGE GROVE WI 535278947, COTTAGE GROVE, WI 53527-8947

Mortgage

Document Number	0005519588
Date	Sep 5, 2019
Instrument	5519588

Lender

Name	UW CU
Type	Credit Union
Address	MADISON, WI 53744

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2049

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	115 E SCHOOL RD, COTTAGE GROVE, WI 53527-8947
Document Number	0005443955
Instrument Date	Sep 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E SCHOOL RD COTTAGE GROVE WI 535278947, COTTAGE GROVE, WI 53527-8947

Mortgage

Document Number	0005443955
Date	Sep 27, 2018
Instrument	5443955

Lender

Name	UW CU
Type	Credit Union
Address	MADISON, WI 53744

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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	$6,511.00 (+11.76%) Homeowner's exemption	$266,000 (-) Land $88,500 Building $177,500	$378,800 (+9.61%)
2024	$5,826.00 (-0.82%) Homeowner's exemption	$266,000 (-) Land $88,500 Building $177,500	$345,600 (+6.01%)
2023		$266,000 Land $88,500 Building $177,500	$326,000
2022	$5,874.00

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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