1185 S Monroe St, Waterloo, WI 53594 Property Records

Jefferson County property record for 1185 S Monroe St, Waterloo, WI 53594

Property Summary

Property Type	General Agricultural/Rural
Lot Size	37.2 acres (1,622,392 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Nov 2018)
Tax Bill	$6,543 (2025)
Deeds & Mortgages	Mar 2024 Transfer Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0744-000`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0744-000`

Exterior

Lot Area	1,622,392 sqft (37.2 acres)

Location & Zoning

Street Address	1185 S MONROE ST
City	WATERLOO
State	WI
Zip	53594-9119
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	OUT LOT 171. EX CSM 173-1- 222, DOC 703856. EX .996A IN DOC 935000. SUBJ TO ESMT IN DOC 1426789.
Legal Range	13E
Legal Township	08N
Legal Section	07
Legal Subdivision	ASSESSORS PLAT OF THE CITY OF WATERLOO
Legal Lot Number	171
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1036
Census Tract	100400

Owner

1185 S Monroe St, an agricultural property, is owned and occupied by two individuals who acquired it in December 2022.

Source: Jefferson County records, as of February 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1185 S MONROE ST, WATERLOO, WI 53594-9119
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2024	Intrafamily Transfer, Transfer NOT AVAILABLE, SBN 1017485
Oct 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage US DEPARTMENT OF AGRICULTURE
Nov 2, 2018	Warranty Deed, Transfer · Conventional Mortgage FARMERS & MERCHANTS UNION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2018 · Amount on File
Deed Sale	Nov 2, 2018 · Amount on File
Deed Document Number	20181403197
Last Transfer Date	Dec 20, 2022
Transfer Doc	0001482447
Record Updated	Sep 20, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON WI
Recording Date	Mar 22, 2024
Property Address	1185 S MONROE ST, WATERLOO, WI 53594-9119
Document Number	0001482447
Map Reference	DOC 935000
Instrument Date	Dec 20, 2022
Instrument	1482447
Transaction Type	Transfer
Record Updated	Apr 10, 2024
Title Company	NOT AVAILABLE, SBN 1017485

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	1185 S MONROE ST, WATERLOO, WI 53594-9119
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001432868
Date	Oct 7, 2020
Instrument	1432868

Lender

Name	US DEPARTMENT OF AGRICULTURE
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Nov 2, 2018
Property Address	1185 S MONROE ST, WATERLOO, WI 53594-9119
Document Number	0001403197
Map Reference	PG 222 DOC 703856
Instrument Date	Nov 1, 2018
Instrument	1403197
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$675.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001403198
Date	Nov 2, 2018
Instrument	1403198

Lender

Name	FARMERS & MERCHANTS UNION BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1185 S Monroe St was $6,543 with a homeowner's exemption.

Source: Jefferson County assessment roll, as of February 18, 2026

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	$6,543.00 Homeowner's exemption	$357,100 Land $84,100 Building $273,000	$376,800
2023	$5,412.00 Homeowner's exemption	$268,400 Land $67,300 Building $201,100

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

Flood

FEMA maps place 1185 S Monroe St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1979.

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
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

Wildfire risk around 1185 S Monroe St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Wisconsin
Wildfire Likelihood	Under 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	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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bertram Communications Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3
Frontier DSL	10 / 1

May also be available: Netwurx, Spectrum, T-Mobile.

Nearby Properties on S Monroe St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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