1215 Oak St, Waterloo, WI 53594 Property Records

Jefferson County property record for 1215 Oak St, Waterloo, WI 53594

Property Summary

Property Type	Single Family Home
Lot Size	0.289 acres (12,589 sqft)
Owner	2 Individual Names on Record
Last Sale	$59,500 (May 1987)
Tax Bill	$4,445 (2025)
Deeds & Mortgages	May 2017 Mortgage Jun 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0544-022`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0544-022`

Exterior

Lot Area	12,589 sqft (0.289 acres)
Lot Dimensions	140 ft deep x 90 ft wide

Location & Zoning

Street Address	1215 OAK ST
City	WATERLOO
State	WI
Zip	53594-1255
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18, & W10FT LOT 19, SUNSET GARDENS
Legal Range	13E
Legal Township	08N
Legal Section	05
Legal Quarter	SE
Quarter-Quarter Section	SE
Legal Subdivision	SUNSET GARDENS
Legal Lot Number	18
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2007
Census Tract	100400

Owner

Source: Jefferson County records, as of February 16, 2026

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

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	1215 OAK ST, WATERLOO, WI 53594-1255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2017	Deed of Trust, Mortgage SUMMIT CU
Jun 7, 2019	Deed of Trust, Mortgage · Line of Credit SUMMIT CU
Jun 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 1987 · Amount on Record
Deed Sale	May 15, 1987 · Amount on Record
Deed Document Number	830541
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	1215 OAK ST, WATERLOO, WI 53594-1255
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001382930
Date	May 24, 2017
Instrument	1382930

Lender

Name	SUMMIT CU
Type	Credit Union
Address	MADISON, WI 53718

Agreement

Amount	Amount Recorded
Term	145 Months
Due	Jun 7, 2029

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	1215 OAK ST, WATERLOO, WI 53594-1255
Document Number	0001410122
Instrument Date	Jun 7, 2019
Transaction Type	Mortgage
Record Updated	Jul 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1215 OAK ST WATERLOO WI 535941255, WATERLOO, WI 53594-1255

Mortgage

Document Number	0001410122
Date	Jun 14, 2019
Instrument	1410122

Lender

Name	SUMMIT CU
Address	MADISON, WI 53718

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2049

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	1215 OAK ST, WATERLOO, WI 53594-1255
Document Number	0001398095
Instrument Date	Jun 12, 2018
Transaction Type	Mortgage
Record Updated	Jul 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1215 OAK ST WATERLOO WI 535941255, WATERLOO, WI 53594-1255

Mortgage

Document Number	0001398095
Date	Jun 18, 2018
Instrument	1398095

Lender

Name	SUMMIT CU
Address	MADISON, WI 53718

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2048

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	$4,445.00 (+25.89%) Homeowner's exemption	$242,600 (+37.61%) Land $49,000 Building $193,600	$267,700
2023	$3,531.00 Homeowner's exemption	$176,300 Land $40,000 Building $136,300

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 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 Claims	2 (2008)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 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	Low lower than 94% of the US · lower than 85% of Wisconsin
Wildfire Likelihood	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	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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Bertram Communications Fixed Wireless	100 / 20

May also be available: Netwurx.

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