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1221 Oak St, Waterloo, WI 53594 Property Records

Jefferson County property record for 1221 Oak St, Waterloo, WI 53594

Property Summary

Property TypeSingle Family Home
Lot Size0.289 acres (12,589 sqft)
Owner2 Individual Names on File
Last Sale$120,500 (Dec 1999)
Tax Bill$4,974 (2025)
Deeds & MortgagesJul 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN290-0813-0544-023

Property Details

APN / Parcel Number

Primary APN290-0813-0544-023

Exterior

Lot Area12,589 sqft (0.289 acres)
Lot Dimensions140 ft deep x 90 ft wide

Location & Zoning

Street Address1221 OAK ST
CityWATERLOO
StateWI
Zip53594-1255
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 19, EX W10FT SUNSET GARDENS
Legal Range13E
Legal Township08N
Legal Section05
Legal QuarterSE
Quarter-Quarter SectionSE
Legal SubdivisionSUNSET GARDENS
Legal Lot Number19
JurisdictionJEFFERSON WI
Township / Civil DivisionWATERLOO
Census Block Group2
Census Block2007
Census Tract100400

Owner

1221 Oak St is owned and occupied by two individuals who bought it in December 1999.

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

Owner of Record2 Individual Names on File
Co-ownerCo-owner on File
Mailing Address1221 OAK ST, WATERLOO, WI 53594-1255
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 15, 1999 · Amount on File
Deed SaleDec 15, 1999 · Amount on File
Deed Document Number1030334
Record UpdatedJun 8, 2026

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJEFFERSON WI
Property Address1221 OAK ST, WATERLOO, WI 53594-1255
Document Number0001386061
Instrument DateJul 29, 2017
Transaction TypeMortgage
Record UpdatedAug 29, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1221 OAK ST WATERLOO WI 535941255, WATERLOO, WI 53594-1255

Mortgage

Document Number0001386061
DateAug 7, 2017
Instrument1386061
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueAug 6, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1221 Oak St was $4,974 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateWisconsin
CountyJefferson County
MunicipalityWaterloo City
Unified School DistrictWaterloo School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,974.00 Homeowner's exemption$271,500 Land $49,000 Building $222,500$299,600
2023$4,087.00 Homeowner's exemption$203,500 Land $40,000 Building $163,500

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

Flood

FEMA maps place 1221 Oak St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective November 5, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (2008)
Claims Outside the SFHA1 of 2
Most Recent ClaimJun 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

Wildfire risk around 1221 Oak St is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 94% of the US · lower than 85% of Wisconsin
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemWATERLOO WATERWORKS
serves 3,520 people · EPA ID WI1280115
Water SourceGroundwater
Last State InspectionNov 2023
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line replacement
Oct 2019
Lead public education
Jan 2018
Monitoring and Reporting1
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

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

May also be available: Netwurx.

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